To locate a good insurance agent in Mission Viejo, CA, you can always do an initial search online rather than looking in the yellowpages. You require an excellent agent, but also need the lowest rates for auto insurance in Mission Viejo.
With consumers having so many insurance providers from which to choose, it can be diffult for consumers to locate the lowest price insurance company.
Why do I need an agent?
Licensed agents can answer important questions and give you peace of mind. The biggest benefit of comparing rates online is that you can obtain the best rates but still work with a licensed agent.
For easy comparison, once you complete this simple form, your coverage information is submitted to agents in your area who will battle for your business. There is no reason to drive around since price quotes are sent directly to your email. It doesn’t get any easier!
Deciding on a car insurance agent shouldn’t rely on just a cheap price. Ask your prospective agent these questions:
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Is assistance available after office hours?
- Can they give you a list of client referrals?
- Are claim adjusters local or do you have to take your car somewhere else?
- Are they able to influence company decisions when a claim is filed?
- How much can you save by raising your physical damage deductibles?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do they carry Errors and Omissions coverage?
Captive or Independent: There is a difference
If you’re trying to find a reliable agent, you must know there are a couple different types of agents from which to choose. Mission Viejo agents are classified as either captive or independent. Both types can properly insure your vehicles, but it’s worth mentioning the differences because it can impact the selection process.
Agency Captives
This type of agents write business for a single company like American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so always compare other rates. These agents are well schooled on their products and sales techniques and that can be a competitive advantage. Some people will only purchase coverage from captives partially due to high brand loyalty and strong financial ratings.
Below is a list of captive agents in Mission Viejo who can help you get price quotes.
- Farmers Insurance Group – 27001 LA Paz Rd # 200 – Mission Viejo, CA 92691 – (949) 588-0204
- Allstate Insurance – 26361 Crown Valley Pkwy # 160 – Mission Viejo, CA 92691 – (949) 348-1450
- Bill Rosalino State Farm – 89 Zinnia St – Mission Viejo, CA 92694 – (949) 429-1626
Independent Insurance Agents
Independent insurance agents are not employed by any specific company so they can insure your vehicles with any number of different companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies.
When comparison shopping, we recommend you include price quotes from several independent insurance agents to get the best comparison. Most have the option of insuring with lesser-known insurance companies who may have lower rates.
Shown below is a list of independent insurance agents in Mission Viejo that can give you rate quotes.
- Bob Nimtz Insurance Ctr – 27001 LA Paz Rd # 284 – Mission Viejo, CA 92691 – (949) 460-9700
- Angela Ruelas Insurance – 28321 Marguerite Pkwy # 212 – Mission Viejo, CA 92692 – (949) 364-1105
For a complete listing of Mission Viejo insurance agents, visit this link.
Upon receiving acceptable answers to any questions you have and a low price estimate, chances are good that you have found a car insurance agent that can provide auto insurance coverage.
What about online companies that don’t sell through insurance agents?
Insurance agencies are perfect for certain consumers, but California drivers can also buy from online companies direct. Some car insurance companies that are more known for using agents, also allow you to get quotes and purchase online. This is something to consider if you don’t want to take the time to contact agents.
If you’re apprehensive about not receiving proper advice when buying car insurance direct, that is normal but is not a big issue. Car insurance companies all have toll-free customer service that you can contact for information. They also make available extensive coverage information and 24/7 assistance so you can feel comfortable buying online.
Does car insurance cost less online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because there are many components that are calculated into your premium. Common logic is that a customer who purchases direcly from an online company prevents the agent from taking a cut. For the majority of companies, however, getting their brand in front of customers is expensive and that can quickly cost more than paying an agent.
Quote often and quote early
Drivers leave their current company for many reasons like high rates after DUI convictions, not issuing a premium refund, unfair underwriting practices or poor customer service. Whatever your reason, finding a new company is not as difficult as it may seem.
Budget-conscious auto insurance can be purchased from both online companies and also from your neighborhood Mission Viejo agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.
To find out more about California auto insurance
More detailed California auto insurance information can be read at the California Department of Insurance website. California consumers can report car insurance fraud, view agent and company licensing information, view a list of available companies, and find disaster information.
