If you’re trying to find a good Elk Grove agent, it’s recommended you start your research on the internet to save time. Consumers require a decent agent, but also need cheap rates.
With so many companies and agents to choose from, it can be challenging to locate the most cost effective car insurance company.
Your local neighborhood insurance agent
Educated insurance agents can point out coverage gaps and give you someone to call. One of the best bonuses of price shopping on the web is the fact that you can find lower rates but also keep your business local.
To find an agent, once you fill out this short form, your insurance coverage information is instantly submitted to local insurance agents who will return price quotes for your coverage. There is no reason to drive around because quoted prices will be sent straight to your inbox. Now that’s easy! It’s the lowest rates and an insurance agent to talk to.
Picking an insurance agent needs to be determined by more than just the bottom line cost. Ask your prospective agent these questions:
- Does the agent have professional designations like CIC, CPCU or AIC?
- Which insurance companies are they affiliated with?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Is the agent and/or agency licensed to do business in California?
- Do the coverages you’re quoting properly cover your vehicle?
- How long have they worked with personal auto insurance coverage?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Captive agents vs. Independent agents
If you’re trying to find a reliable agent, you must know there are a couple different agency structures from which to choose. Agents are either independent (non-captive) or captive.
Captive Agents
These agents can only write with one company such as American Family, Liberty Mutual and AAA. Captives cannot shop your coverage around so keep that in mind. Captive agencies are very knowledgeable in insurance sales which can be an advantage. Consumers often buy insurance from these agents mostly because of loyalty to the company and strong financial ratings.
Shown below is a short list of captive insurance agents in Elk Grove who may provide you with price quote information.
- State Farm Insurance – 9027 Elk Grove Blvd # D – Elk Grove, CA 95624 – (916) 685-9888
- Allstate Insurance – 8788 Elk Grove Blvd # K – Elk Grove, CA 95624 – (916) 685-6534
- Farmers Insurance Group – 8021 Laguna Blvd # 1 – Elk Grove, CA 95758 – (916) 684-1300
Independent Agents
Independent agents are not required to write business for one company but instead can place your coverage with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the business is moved internally without you having to go to a different agency. When shopping rates, it’s a good idea to contact several independent insurance agents for maximum quote selection.Most can insure with smaller regional carriers who may have lower rates.
The following is a list of independent insurance agents in Elk Grove that are able to give comparison quotes.
- Colton Insurance Assoc – 8837 Elk Grove Blvd – Elk Grove, CA 95624 – (916) 685-5565
- Norman Lamarr Insurance – 5030 Laguna Blvd # 106 – Elk Grove, CA 95758 – (916) 689-3276
For a full directory of licensed insurance agents in Elk Grove, please view this page.
After getting answers to your satisfaction for all questions you ask and an acceptable price quote, you’ve probably found an insurance agent that can insure your vehicles.
Can I save by buying online?
Insurance agencies are important, but California consumers also have the option to buy from companies direct over the internet. Even companies that sell primarily through agents also let you get quotes and purchase online. This is something to consider if you are the do-it-yourself type.
If you’re anxious about selecting your own policy coverages when shopping online, this is a normal reaction for first-time shoppers. All companies that allow you to purchase coverage all provide contact methods to answer any questions you may have.
Is it cheaper to buy car insurance online? The answer is complex since there may be dozens of rate factors that influence the price you pay. Common logic is that buying car insurance online cuts out the agent as a middleman. But in most cases, the cost of constant advertising is expensive so the rates may be similar to buying from an agent.
California insurance information
Additional detailed information is located at the California Department of Insurance website. California consumers can learn about specific coverages, read industry bulletins, download brochures, and view a list of available companies.
Quote more, save more
Cost effective car insurance can be bought from both online companies and with local Elk Grove insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.
While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where an insured dropped liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage for the lowest price while still protecting your assets.
