To locate a licensed insurance agent in Lancaster, you can start your search on the internet to save time. Consumers need a highly trained agent, and also competitive auto insurance rates.
There are many insurance agencies to pick from, and although it’s a good thing to have multiple companies, lots of choices makes it harder to compare rates and find the lowest cost auto insurance.
Local Lancaster auto insurance agents
Educated insurance agents can help determine the best coverages and help you file claims. One of the great benefits of comparing insurance prices online is the fact that you can find lower rates but still work with a licensed agent.
By using this form (opens in new window), your coverage information is submitted to local insurance agents in Lancaster who will return price quotes for your business. There is no reason to leave your house because quoted prices will be sent to the email address you provide. How’s that for easy!
Selecting an insurance agent should depend on more than just the premium amount. Agents should be asked these questions:
- Which members of your family are coverage by the policy?
- What are the financial ratings for the companies they represent?
- What insurance companies do they recommend if they are an independent agent?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Can glass repairs be made at your home?
- Are they full-time agents?
- How long has their agency been open in Lancaster?
Independent or Captive: It’s your choice
When looking for an insurance agent, there are two types of insurance agents from which to choose. Agents are either captive or independent. Both write coverage properly, but it’s good to learn how they are different since it can impact your agent selection.
Captive Insurance Agents
These agents have only one company to place business with such as State Farm or Allstate. They are unable to give you multiple price quotes so always compare other rates. Captives receive extensive training on the products they sell which can be an advantage. Some consumers prefer to choose to use a captive agent mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.
Below are captive insurance agencies in Lancaster willing to provide comparison quotes.
- Allstate Insurance – 661 W Avenue J – Lancaster, CA 93534 – (661) 948-0670
- Farmers Insurance Group – 43545 17th St W # 603 – Lancaster, CA 93534 – (661) 723-6550
- State Farm Insurance – 762 W Kettering St – Lancaster, CA 93534 – (661) 948-2628
Independent Agencies or Brokers
Independent insurance agents do not work for one specific company so they can insure your vehicles with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies and that require little work on your part. When searching for an agent, it’s a good idea to include price quotes from multiple independent agents to get the best comparison. They often place coverage with lesser-known insurance companies who may have lower rates.
Below is a list of independent insurance agencies in Lancaster that are able to give rate quotes.
- Agency One Insurance – 2052 W Avenue K – Lancaster, CA 93536 – (661) 723-0404
- Lancaster Boulevard Agency – 764 W Lancaster Blvd # C – Lancaster, CA 93534 – (661) 949-2411
- John E Peakes Insurance – 568 W Lancaster Blvd – Lancaster, CA 93534 – (661) 942-6868
- Colonial Western Agency – 762 W Kettering St – Lancaster, CA 93534 – (661) 718-8498
- Agency One Insurance – 2052 W Avenue K – Lancaster, CA 93536 – (661) 723-0404
For a complete listing of Lancaster insurance agents, click here to link.
Once you have received answers to your satisfaction and a low price estimate, you have narrowed it down to an insurance agency that will service your policy.
Can you find lower rates by buying online?
Insurance agents are indespensible for some people, but California consumers also have the option to buy direct from companies online. Certain companies like State Farm and Allstate who have local agents in Lancaster additionally provide the ability to buy direct on their websites, and that can save time if you prefer to buy online.
If you’re uneasy about not having an agent to talk to when buying online, this is normal but is quickly overcome. Online car insurance companies that allow you to purchase coverage provide options for getting advice on proper coverages.
When shopping for low rates, the only way to find out whether prices are lower online or from agents is comparing prices for both of them. It’s not unheard of to actually get different prices from exactly the same company when using both online and agent quotes. But it’s impossible to know if the company’s rates are lower online or from an agent unless free rate quotes are compared from both ways.
Is it cheaper to buy online? The answer is complex since there may be dozens of rate factors which can raise or lower premium rates. Common logic is that buying online saves money by not requiring a commission. But the reality is online and traditional media advertising are expensive and that can cost more than having to pay agents.
Consumer auto insurance information in California
Even more information is available at the California Department of Insurance website. California consumers can find a variety of consumer forms, file complaints about an insurance agent or broker, and learn about insurance regulations.
The following articles may also be useful.
Best coverage at the best price
Drivers switch companies for many reasons like unfair underwriting practices, an unsatisfactory settlement offer, being labeled a high risk driver or even questionable increases in premium. Regardless of your reason, choosing a new insurance company is not as hard as you think.
When buying insurance coverage, never reduce coverage to reduce premium. There are many occasions where an insured cut collision coverage and found out when filing a claim that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.
