Finding good auto insurance in Cary can be challenging since you have many choices and finding the best North Carolina insurance agency takes more work than just calling the closest agent. You require a great agent that can assess your needs, but also need the lowest rates for auto insurance in Cary.
Big-name insurance companies like Progressive, Geico and Farmers Insurance all claim big savings, bombarding you with ad campaigns and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.
Online price comparisons from Cary agents
Licensed agents can help determine the best coverages and help in the event of a claim. The best thing about comparing rates online is that you can obtain better rates but still work with a licensed agent.
To find an agent, once you fill out this short form, the coverage information gets sent to companies in Cary who will give you bids for your insurance coverage. There is no reason to leave your house because quoted prices will be sent straight to your inbox. It doesn’t get any easier!
Picking an insurance agent shouldn’t rely on just a cheap price. These are valid questions to ask:
- How long has their agency been open in Cary?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How much will you save each year by using a higher deductible?
- Which company do they place the most coverage with?
- Is assistance available after office hours?
Not all insurance agents are the same
When researching a local agent, there are two types of insurance agents to choose from. Cary agents can either be captive or independent (non-captive). While both can properly insure your vehicles, but it’s important to know how they differ because it can impact the selection process.
Captive Agents
Captive agencies write business for a single company such as Allstate, State Farm and Farmers Insurance. These agents are not able to provide prices from multiple companies so keep that in mind. These agents are trained well in insurance sales which helps them compete with independent agents. Some consumers prefer to purchase coverage from captives mostly because of high brand loyalty and strong financial ratings.
Shown below is a list of captive agents in Cary who can help you get price quotes.
- State Farm Insurance – 1141 Kildaire Farm Rd – Cary, NC 27511 – (919) 467-1900
- Allstate Insurance Co – 975 Walnut St # 200 – Cary, NC 27511 – (919) 467-4134
Independent Agents
Independent insurance agents do not work for one specific company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency. When shopping 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 can be an advantage.
Below are independent agencies in Cary that are able to give rate quotes.
- Cameron Bagherpour Insurance – 150 Cornerstone Dr – Cary, NC 27519 – (919) 460-0606
- Adcock Agency Inc – 219 E Chatham St # 101 – Cary, NC 27511 – (919) 467-8126
- Adcock Agency Inc – 157 W Chatham St – Cary, NC 27511 – (919) 467-8126
- Ais Insurance – 502 Windstream Way – Cary, NC 27518 – (919) 851-0029
- Hargis Agency – 247 Grande Heights Dr – Cary, NC 27513 – (919) 481-3071
To view a complete directory of auto insurance agents in Cary, view this link.
After getting satisfactory answers to your questions and locked in a price quote, you have narrowed it down to a car insurance agent that meets your needs to provide auto insurance coverage.
Buying direct is an option
Professional insurance agents can be invaluable at times, but North Carolina drivers can also buy direct from companies that only sell online. Even companies that sell primarily through agents also give you the ability to buy direct on their websites, and consumers should do that and can also potentially find you lower rates.
If you’re concerned about choosing your own coverages when buying direct, don’t let it bother you. Online car insurance companies that allow you to purchase coverage all provide contact methods for getting advice on proper coverages. Additionally, most companies also offer help pages and frequently asked questions to help with the buying process.
Does it save money buying online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because of the fact that insurance companies use many factors that determine the price you pay. Some people will tell you that a consumer who buys direct saves money because there is no commission. But the fact is, it’s expensive to advertise and that can quickly cost more than paying an agent.
To find out more about North Carolina auto insurance
More tips and info about auto insurance is available at the North Carolina Department of Insurance website. Consumers can discover disciplinary actions, view agent and company licensing information, read enforcement actions against agents and companies, and find a variety of consumer forms.
Also read more on Auto Insurance 101 and this resource to find Cary, NC insurance agents.
Compare but don’t skimp
People switch companies for many reasons like high rates after DUI convictions, unfair underwriting practices, questionable increases in premium or even extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.
Cheaper auto insurance is available on the web and with local Cary insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.
