Finding good car insurance in Bel Air can be challenging since picking a good Maryland insurance agency is not as easy as just driving to the closest agent’s office. You require a good agent that listens to you, but also the best car insurance prices in Bel Air.
With so many companies and agents to choose from, it is hard for the average consumer to locate the most cost effective insurance company.
Compare Bel Air agent rates online
Insurance agents can help determine the best coverages and give you someone to call. One of the great benefits of comparing rates online is you may find the best rates and still have an agent to talk to.
To find an agent, once you fill out this quick form, the coverage information is instantly submitted to companies in Bel Air who will compete to get your business. There is no need to leave your house since price quotes are sent immediately to your email address. It doesn’t get any easier!
Selecting a car insurance agent shouldn’t rely on just the bottom line cost. These questions are important to ask:
- How are they compensated?
- Do they review policy coverages at every renewal?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is assistance available after office hours?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Types of insurance agents
When looking for a good Bel Air insurance agent, there are a couple of different types of agents to choose from. Insurance agencies in Bel Air are either captive or independent. While both can properly insure your vehicles, but it’s good to learn how they are different since it may influence the type of agent you choose
Captive Insurance Agents
This type of agents can only write with one company such as Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to compare other company’s rates so they have to upsell other benefits. They receive extensive training in insurance sales and that can be a competitive advantage. Consumers sometimes buy from captive agents primarily because of the prominence of the brand and strong financial ratings.
Listed below is a short list of captive agencies in Bel Air that are able to give rate quotes.
- Liberty Mutual Insurance – 4b North Ave # 304 – Bel Air, MD 21014 – (410) 638-1390
- State Farm Insurance – 1208 E Churchville Rd # 101 – Bel Air, MD 21014 – (410) 420-6384
- Allstate Insurance – 589 Baltimore Pike – Bel Air, MD 21014 – (410) 879-8894
Independent Insurance Agents
Independent insurance agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent.
When comparing rates, it’s a good idea to contact several independent insurance agents to get the best comparison.Most can insure with smaller regional carriers which may provide better rates.
Shown below is a short list of independent insurance agents in Bel Air that are able to give rate quotes.
- Vik Brothers Insurance Group – – Bel Air, MD 21014 – (410) 879-5312
- Auto Insurance Svc – – Bel Air, MD 21014 – (410) 838-7299
- W G Oliver Agency Inc – 900 S Main St # 104 – Bel Air, MD 21014 – (410) 838-7799
For a full directory of Bel Air insurance agents, please click here.
Once you have received positive responses to these questions in addition to an acceptable price estimate, most likely you have located an auto insurance agent that is a good match to adequately provide car insurance.
But what about Geico and Esurance?
Car insurance agents are important, but you also have the option of buying direct from companies that only sell online. Even companies that are more known for using agents, also allow you to buy direct on their websites, and that can save time if you are the do-it-yourself type.
If you’re apprehensive about not having an insurance agent’s advice when buying online, this is normal but is quickly overcome. Insurance companies provide options for getting the best coverage. You can also use anytime access to help and a customer research section you can access prior to buying.
Are car insurance rates lower online? That question is hard to answer due to the large number of individual components which can adversely affect your policy premium. It’s a logical assumption that going direct saves money because there is no agent involvement. In reality, getting their brand in front of customers is expensive and this tends to eat up any savings.
More consumer information in Maryland
Additional detailed information is available at the Maryland Insurance Administration website. Visitors are able to read industry bulletins, learn about specific coverages, and read consumer alerts.
Better coverage you can count on
Low-cost car insurance is definitely available both online and also from your neighborhood Bel Air agents, so compare prices from both to get a complete price analysis. Some insurance companies may not provide online price quotes and these small, regional companies work with independent agents.
Insureds who switch companies do it for many reasons like lack of trust in their agent, delays in paying claims, high prices or even denial of a claim. Regardless of your reason for switching companies, finding the right car insurance provider is actually quite simple.
