How to Get the Cheapest Car Insurance Rates From Insurance Agents in Garden Grove

When buying car insurance in Garden Grove, you have many choices and choosing the right Garden Grove insurance agency is not as easy as just randomly choosing from the yellow pages. Consumers need a good professional insurance agent, and also the cheapest rates you can possibly find.

Online insurance companies like Progressive, State Farm and Geico constantly blast consumers with catchy ads and it can be hard to ignore the propoganda and do the work needed to find the best deal.

Best way to find Garden Grove agents

Professional agents are trained to spot inefficiencies and help you file claims. The best thing about price shopping on the web is that you can obtain better rates and still have an agent to talk to.

To make it easy to find an agent, after completing this quick form, your insurance coverage information gets sent to participating agents in Garden Grove who will return price quotes for your coverage. There is no need to visit any agencies since price quotes are sent directly to your email. It doesn’t get any easier! You can find better rates and a licensed agent to work with.

Picking an insurance agency requires more thought than just a low price. Some important questions to ask are:

If you are a high risk driver, do they have special markets for your coverage?
Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Will their companies depreciate repairs to your car based on the mileage?
Are there any hidden costs in their price quote and does it include driving and credit history?
Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Does the company allow you to choose your own collision repair facility?

The different types of insurance agents

When finding a reputable insurance agent or broker, there are two types of agencies from which to choose. Agents are categorized either independent (non-captive) or captive.

Agency Captives

This type of agents work for only one company and examples are AAA, State Farm, Farmers Insurance and Allstate. These agents are not able to place coverage with different providers so they have to upsell other benefits. Captive agencies are very knowledgeable in insurance sales which can be an advantage. Some consumers prefer to buy insurance from these agents primarily because of the prominence of the brand and the convenience of having all coverages with one company.

Listed below are captive insurance agents in Garden Grove that can give you price quote information.

Farmers Insurance Group – 9828 Garden Grove Blvd # 207 – Garden Grove, CA 92844 – (714) 534-5544
Allstate Insurance – 13287 Harbor Blvd – Garden Grove, CA 92843 – (714) 741-7565
State Farm Insurance – 9700 Chapman Ave – Garden Grove, CA 92841 – (714) 530-7567

Independent Agencies or Brokers

Independent insurance agents do not work for one specific company but rather can write business amongst many companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent. When searching for an agent, it’s recommended you include at a minimum one independent agency for the best price selection. They also have the ability to place coverage with different regional companies which can be an advantage.

The following is a short list of independent agencies in Garden Grove that can give you comparison quotes.

Arca Insurance – 11032 Magnolia St – Garden Grove, CA 92841 – (714) 636-3595
Al Snook and Assoc Insurance – 11781 Easy Way – Garden Grove, CA 92840 – (714) 636-4848

For a complete listing of licensed insurance agents in Garden Grove, click here to link.

Once you have satisfactory answers to any questions you have and a good coverage price, it’s possible that you found an insurance agent that meets your needs to adequately provide car insurance.

Does buying direct online get me lower rates?

Insurance agencies serve a purpose, but you can also find affordable California auto insurance direct over the internet. Some specific companies who have local Garden Grove agents also give you the option to buy direct on their websites, and online price comparisons are easy and can also potentially find you lower rates.

If you’re uneasy about not getting proper coverage when shopping online, this is normal but is quickly overcome. Car insurance companies all have client service departments for getting the best coverage.

Do online companies provide lower prices? It’s difficult to provide an answer since there are many things that impact your final bill. It’s a logical assumption that buying directly from the company lowers rates due to not having any agent compensation. But in reality, promoting brand recognition is pricey so rates may not be all that different from traditional agents.

More quotes mean more savings

While you’re price shopping online, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, someone dropped uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at the best price while still protecting your assets.

Cheaper car insurance can be bought from both online companies and also from your neighborhood Garden Grove agents, so compare prices from both to get a complete price analysis. Some companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.