To find a licensed insurance agent in Norwalk, we recommend you start your research for an agent online instead of making phone calls. You need a decent agent, and also the best car insurance prices in Norwalk.
Since consumers have many choices, it’s difficult to pick the lowest cost company.
Which insurance is the “right” coverage?
When it comes to choosing proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.
For example, these questions can help discover if your insurance needs may require specific advice.
- What if I don’t agree with a claim settlement offer?
- Am I covered when driving someone else’s vehicle?
- Do I need to file an SR-22 for a DUI in California?
- Can I afford low physical damage deductibles?
- Am I covered when driving in Canada or Mexico?
- Should I rate my vehicle as pleasure use or commute?
- Is my vehicle covered for smoke damage?
If you don’t know the answers to these questions then you might want to talk to an agent.
Working with a local agent
Good agents can point out coverage gaps and give you someone to call. The biggest benefit of comparing rates online is you can get the lowest rates and still choose a local agent.
For easy comparison, once you complete this quick form, your information is submitted to agents in your area who will compete to get your business. There is no need to visit any agencies due to the fact that quote results will go to your email. How cool is that?!
Picking an auto insurance agent requires more thought than just a low price. Ask your prospective agent these questions:
- Do they specialize in personal lines coverage?
- Are there any discounts that you might be missing?
- Do the coverages you’re quoting properly cover your vehicle?
- Do the companies they represent have a solid financial rating?
- How are claims handled?
- Did they already check your driving record and credit reports?
How to choose the best auto insurance agent in Norwalk
When finding an insurance agent, you need to know there are two types of agencies that you can select. Agencies in Norwalk are categorized either captive or independent. Either one can write coverage properly, but it’s worth learning the differences because it can influence your selection of an agent.
Captive Insurance Agents
These agents have only one company to place business with such as State Farm, Allstate and AAA. These agents are unable to shop your coverage around so it’s a take it or leave it situation. Captives are usually quite knowledgeable in insurance sales which helps them compete with independent agents. Consumers frequently buy from captive agents primarily because of loyalty to the company and the convenience of having all coverages with one company.
Shown below is a short list of captive insurance agencies in Norwalk that are able to give price quotes.
- Farmers Insurance Group – 13710 Studebaker Rd # 202 – Norwalk, CA 90650 – (562) 868-0537
- State Farm Insurance – 11928 Firestone Blvd # 100 – Norwalk, CA 90650 – (562) 868-6218
- Allstate Insurance – 11815 Orange St # 1 – Norwalk, CA 90650 – (562) 864-9789
Independent Agents
Independent insurance agents are not employed by any specific company so they have the ability to put coverage with many different companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally and that require little work on your part.
When comparing rates, it’s recommended you include several independent insurance agents to ensure the widest selection of prices.Many can place coverage with different regional companies which can save you money.
Shown below is a short list of independent insurance agents in Norwalk that can give you price quotes.
- South Coast Auto Insurance – 12035 Front St – Norwalk, CA 90650 – (562) 484-9732
- A M Insurance – 11951 Firestone Blvd – Norwalk, CA 90650 – (562) 929-2330
For a complete listing of insurance agents in Norwalk, click here to link.
Once you have answers to your satisfaction and a good coverage price, it’s possible that you found an insurance agency that will provide car insurance coverage.
Are online companies an option?
Car insurance agents are a valuable resource, but you also have the option of buying direct from companies that only sell online. Certain companies, such as Farmers Insurance and State Farm, who employ agents also permit you to buy direct on their websites. This is something to consider if you want to do it yourself.
If you’re concerned about not getting proper coverage, this is normal but is quickly overcome. Companies that require consumers to choose their own coverages provide customer service to help you decide which coverages are appropriate.
Is it cheaper to buy online? That question is hard to answer due to the large number of individual components that can increase policy rates. It would make sense to think that a shopper who purchases direct cuts out the agent as a middleman. For most companies selling online, however, there are high advertising and marketing costs and this drives up their premium costs.
For more information
Additional detailed information is available at the California Department of Insurance website. California consumers can get help finding coverage, file complaints about an insurance agent or broker, and view a list of available companies.
Online plus local equals savings
Affordable car insurance can be purchased on the web and with local Norwalk insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not offer online price quotes and these small insurance companies work with independent agents.
Insureds change insurance companies for any number of reasons including policy non-renewal, unfair underwriting practices, questionable increases in premium or even denial of a claim. Whatever your reason, choosing a new insurance company is not as hard as you think.
