When finding an insurance agent in West Covina, CA, you can always do an initial search on the internet instead of making phone calls. Consumers require a good agent that listens to you, and also cheaper auto insurance prices.
Numerous car insurance agents battle to insure your vehicles, and it can be difficult to compare rates to find the absolute cheapest price
It’s not one size fits all
When buying coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that might point out if your situation could use an agent’s help.
- What if I total my vehicle and owe more than it’s worth?
- Do I need medical payments coverage since I have good health insurance?
- Is my dog or cat covered if injured in an accident?
- Am I covered when driving someone else’s vehicle?
- Can I afford to pay high deductible claims out of pocket?
- Should I buy additional glass protection?
- Do I have any recourse if my insurance company denies a claim?
If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent.
Comparing rates from local agents
Licensed agents can help determine the best coverages and help you file claims. One of the great benefits of getting online price quotes is that you can obtain better rates but still work with a licensed agent.
Once you complete this simple form, your insurance coverage information is transmitted to local insurance agents in West Covina who will battle for your business. You won’t need to drive around as quotes are delivered straight to your inbox. How’s that for easy!
Selecting an auto insurance agent shouldn’t rely on just a cheap price. Any agent should be forthright in answering these questions:
- Do they have any clout with companies to ensure a fair claim settlement?
- Are you getting all the discounts the company offers?
- What insurance companies do they recommend if they are an independent agent?
- Do they review policy coverages at every renewal?
- Does the agency provide any after hours assistance?
- Did they already check your driving record and credit reports?
How to choose the best insurance agent in West Covina
When finding a good insurance agency, you need to know there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies in West Covina can either be captive or independent (non-captive). Both properly insure your vehicles, but it’s good to learn how they are different because it can influence your selection of an agent.
Captive Insurance Agents
These agents can only write with one company and some examples include Allstate, Farmers Insurance or State Farm. Captives cannot compare other company’s rates so they have no alternatives for high prices. Captive agents are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
Shown below is a list of captive insurance agencies in West Covina willing to provide price quote information.
Allstate Insurance – 532 S Glendora Ave – West Covina, CA 91790 – (626) 338-4980
Farmers Insurance Group – 630 S Sunset Ave – West Covina, CA 91790 – (626) 962-8951
State Farm Insurance – 1043 S Glendora Ave # C – West Covina, CA 91790 – (626) 962-1177
Independent Agents (or Brokers)
These agents are not required to write business for one company so they can insure your vehicles with many different companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part.
When comparing rates, you should always contact at a minimum one independent agency to get the best comparison.
The following are independent agents in West Covina willing to provide price quotes.
Cobra Insurance Svc – 2011 W Pacific Ave – West Covina, CA 91790 – (626) 480-0022
C W Financial and Insurance Svc – 1031 S Glendora Ave – West Covina, CA 91790 – (626) 856-3492
For a full directory of West Covina insurance agents, click here to link.
Upon getting positive responses to these questions and a good coverage price, you’ve probably found an insurance agency that can properly service your auto insurance policy.
Can I save by buying direct online?
Licensed agents are perfect for certain consumers, but California drivers can also buy direct from companies that only sell online. Some car insurance companies, such as Farmers Insurance and State Farm, that are more known for using agents, additionally provide the ability to get quotes and purchase online, and consumers should do that if you are the do-it-yourself type.
If you’re anxious about having to choose coverages yourself, that is normal but is not a big issue. Insurance companies provide access to licensed agents to answer any questions you may have. Consumers also can use 24/7 live help and a car insurance FAQ section that you can use if you have questions.
Do online companies provide lower prices? Whether or not you’ll save is impossible to say because there are many factors that are calculated into your premium. It’s logical to say that shopping online for auto insurance lowers rates due to not having any agent compensation. For most online online companies, however, promoting brand recognition is pricey so the lack of a commission may be a wash.
The only way to determine who has the best rates, online companies or local insurance agents, is making fair comparisons of each of their rates. It’s possible to get different rates from the same insurance company when they get quotes from both.
Additional detailed information can be read at the California Department of Insurance website. California consumers can view agent and company licensing information, get help finding coverage, read consumer alerts, and read industry bulletins.
In conclusion
People change insurance companies for a variety of reasons including delays in paying claims, poor customer service, not issuing a premium refund or delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new company is not as difficult as it may seem.
When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible at the best price, not the least amount of coverage.
