When buying car insurance in Boynton Beach, you have many choices and finding the best Florida insurance agency is more difficult than just making a phone call. You need a highly trained agent, but also the best price on car insurance.
Multiple auto insurance agents compete to insure your vehicles, so it can be very hard to choose a auto insurance agent to get the best rates possible.
How to compare Boynton Beach car insurance rates
Agents are trained to spot inefficiencies and help submit paperwork. The best thing about getting online price quotes is that you can obtain the best rates and still choose a local agent.
Once you complete this form (opens in new window), your insurance coverage information is instantly submitted to insurance agents in Boynton Beach who will compete for your business. You won’t need to even leave your home because quoted prices will be sent to the email address you provide. How cool is that?! It’s the lowest rates AND an agent nearby.
Choosing an insurance agent should depend on more than just a cheap price. Ask your prospective agent these questions:
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Did they already check your driving record and credit reports?
- Is the agent and/or agency licensed to do business in Florida?
- Do they make recommendations based only on price?
- Is their price quote a firm figure or are their hidden costs?
- Are there any discounts that you might be missing?
Multiple types of insurance agencies in Boynton Beach
When looking for a reliable agent, you must know there are a couple types of insurance agents from which to choose. Insurance agencies in Boynton Beach are either captive or independent (non-captive).
Captive Agents
These agents have only one company to place business with like American Family, State Farm and Allstate. They usually cannot provide prices from multiple companies so keep that in mind. These agents are usually quite knowledgeable on their products and sales techniques which can be an advantage.
Below is a list of captive insurance agents in Boynton Beach willing to provide rate quotes.
Farm Bureau Insurance – 221 SE 4th St – Boynton Beach, FL 33435 – (561) 734-2660
State Farm Insurance – 1403 W Boynton Beach Blvd # 7g – Boynton Beach, FL 33426 – (561) 737-4950
Allstate Insurance – 4793 N Congress Ave # 206 – Boynton Beach, FL 33426 – (561) 967-6887
Independent Insurance Agents
Independent agencies are not locked into one company but instead can place your coverage with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies. When shopping rates, it’s a good idea to get quotes from several independent insurance agents to get the best comparison.
Below are Boynton Beach independent agents that are able to give comparison quotes.
Richard Malooley Insurance – 2500 Quantum Lakes Dr # 203 – Boynton Beach, FL 33426 – (561) 737-5868
Mutual Of Omaha Insurance Co – 2240 W Woolbright Rd – Boynton Beach, FL 33426 – (561) 752-3004
For a complete listing of car insurance agents in Boynton Beach, visit this link.
Once you have reasonable responses to any questions you have and an affordable coverage quote, it’s possible that you found an insurance agent that can adequately provide car insurance.
Include online companies when price shopping
Insurance agents are indespensible for some people, but you can also find affordable Florida auto insurance direct from companies online. Even companies who sell through agents in Boynton Beach also allow you to buy online. This is something to consider if you are the do-it-yourself type.
If you’re worried about not getting advice from an agent when shopping online, this is a normal reaction for first-time shoppers. Online car insurance companies have customer service departments to answer any questions you may have. Consumers also can use help pages and frequently asked questions that you can use before buying.
Are online rates lower? Whether or not you’ll save is impossible to say since companies use quite a few components that are calculated into your premium. Many people think that buying online prevents the agent from taking a cut. For the majority of companies, however, advertising and marketing take a lot of money and this tends to eat up any savings.
In conclusion
As you prepare to switch companies, do not buy poor coverage just to save money. In many cases, drivers have reduced collision coverage only to regret at claim time that it was a big mistake. Your strategy should be to buy enough coverage at the best price, not the least amount of coverage.
Lower-priced car insurance can be found both online in addition to many Boynton Beach insurance agents, so you should compare both to get a complete price analysis. A few companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.
Additional reading for car insurance information
Additional detailed information is located at the Florida Office of Insurance Regulation website. Florida consumers can discover disciplinary actions, find disaster information, and find a variety of consumer forms.
Other informative sites include QuoteClickInsure.com and CarInsuranceDIY.com.
