Finding good car insurance in Fontana can be challenging since you have many choices and choosing the right Fontana insurance agent takes more work than just using the same insurance agent as your neighbor. Chances are you’re not only searching for a good agent that listens to you, but also great rates as well.
With insurance companies like American Family, Allstate, State Farm and independent agents having local Fontana offices, it can be hard to know which car insurance agent will give you the best rates, service and coverage. To help decide, consumers can use online quotes to build a list of insurance agencies from which to choose.
Your local neighborhood insurance agent
Agents are trained to spot inefficiencies and help in the event of a claim. The biggest benefit of comparing rates online is you can get better rates but still work with a licensed agent. Supporting local insurance agencies is especially important in Fontana.
To help locate an agent, after submitting this simple form, your insurance data is sent to participating agents in Fontana who will return price quotes to get your business. You won’t need to visit any agencies because quoted prices will be sent immediately to your email address. Now that’s easy!
Fontana car insurance agents come in two flavors
If you’re trying to find a local agent, you must know there are a couple different agency structures from which to choose. Agencies in Fontana can either be captive or independent (non-captive). While both can write coverage properly, but it’s good to learn how they differ since it may influence the type of agent you choose
Independent Agents
Independent agencies do not work for one specific company so they can insure your vehicles with any number of different companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies. When comparison shopping, it’s a good idea to include several independent insurance agents for maximum quote selection. They often place coverage with smaller companies which may provide better rates.
Listed below are independent insurance agencies in Fontana who can help you get price quotes.
- Michael March Insurance – 9190 Sierra Ave # 103 – Fontana, CA 92335 – (909) 355-7751
- El Monte Insurance – 8814 Sierra Ave – Fontana, CA 92335 – (909) 356-3666
Captive Insurance Agents
Captive agencies work for only one company like State Farm, AAA and Liberty Mutual. They are unable to compare other company’s rates so always compare other rates. Captive agencies are usually quite knowledgeable on the products they sell which helps them compete with independent agents. Consumers frequently purchase coverage from captives primarily because of loyalty to the company and strong financial ratings.
Listed below is a list of captive agents in Fontana willing to provide price quote information.
- State Farm Insurance – 8855 Sierra Ave – Fontana, CA 92335 – (909) 823-5122
- Allstate Insurance – 16235 Foothill Blvd – Fontana, CA 92335 – (909) 574-1450
- Farmers Insurance Group – 16846 Merrill Ave # 211 – Fontana, CA 92335 – (909) 355-9079
For a complete listing of Fontana captive agents, view this link.
Choosing an insurance agency requires more thought than just the premium amount. Some important questions to ask are:
- Which company do they place the most coverage with?
- Do they assist clients in filing claims?
- If you are a high risk driver, do they have special markets for your coverage?
- If your car is in the repair shop, do you have coverage for a rental car?
- Which members of your family are coverage by the policy?
Once you have received positive responses to these questions in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that can adequately provide car insurance.
Is my situation unique?
When it comes to buying coverage, there is no perfect coverage plan. Everyone’s situation is unique.
For instance, these questions may help you determine if your situation would benefit from professional advice.
- What can I do if my company won’t pay a claim?
- Is business equipment covered while in my vehicle?
- Do I need PIP coverage since I have good health insurance?
- Should I put collision coverage on all my vehicles?
- Does my liability insurance cover pulling a trailer or camper?
- I have good health insurance, so how much medical payments coverage do I need?
- Why am I required to buy high-risk coverage?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent.
Can I save by buying online?
Car insurance agents are perfect for certain consumers, but you also have the option of buying direct online. Some car insurance companies that are more known for using agents, also permit you to buy online. This is something to consider if finding the best price is important.
If you’re apprehensive about selecting your own policy coverages, this really isn’t an issue. Online car insurance companies that require consumers to choose their own coverages provide access to licensed agents for getting the best coverage. Consumers also can use live chat and online tools that can help answer basic questions.
The only method to determine where you can get the lowest rate, either online or from agents, is to get price quotes for both. Lots of times people will get different prices from the same insurance company from their online quote form as compared to an agent. But it’s impossible to know which has the best rates without quoting identical coverages utilizing both methods.
Is it cheaper to buy car insurance online? It’s hard to say exactly because there are many components that can increase policy rates. Many people think that a customer who purchases direcly from an online company saves money because there is no commission. But the fact is, it’s expensive to advertise so the rates may be similar to buying from an agent.
Do the work, save more money
When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. There are many occasions where drivers have reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. The proper strategy is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.
People leave their current company for many reasons like delays in paying claims, denial of a claim, delays in responding to claim requests and extreme rates for teen drivers. Regardless of your reason, switching car insurance companies is pretty simple and you could end up saving a buck or two.
Additional car insurance information is available on the California Department of Insurance website. Click here for link. Visitors are able to find out which companies have the most complaints, file complaints about an insurance agent or broker, and learn about insurance regulations.
