Comparing auto insurance rates in Murrieta can be a lot of work since choosing the right Murrieta auto insurance agent takes more work than just calling the closest agent. We’re assuming you’re not only searching for a good agent that listens to you, but you also need great rates as well.
With companies like Allstate, Farmers, State Farm and many independent agents having local Murrieta offices, it can be hard to know which insurance agent will provide you with the cheapest rates and the best coverage. Fortunately, consumers can get insurance quotes online to get a list of insurance agencies from which to choose.
Your insurance agent down the street
Licensed agents can answer important questions and help submit paperwork. The best thing about comparing insurance prices online is that you can obtain the best rates and still have an agent to talk to. And providing support for local agencies is important particularly in Murrieta.
After completing this form (opens in new window), your information is transmitted to local insurance agents in Murrieta who will give you bids for your coverage. There is no need to leave your computer as quotes are delivered to your email. Now that’s easy! It’s the lowest rates and work with a local agent.
Shown below is a short list of car insurance agents in Murrieta that are able to give price quotes.
Farmers Insurance Group – 39872 Los Alamos Rd # A2, Murrieta, CA 92562 – (951) 696-7555
Key Freeman & Kenney Insurance – 41391 Kalmia St, Murrieta, CA 92562 – (951) 698-8814
Allstate Insurance – 39413 Los Alamos Rd # D, Murrieta, CA 92563 – (951) 600-0068
Allied Insurance – 38245 Murrieta Hot Springs Rd, Murrieta, CA 92563 – (951) 894-7248
State Farm Insurance – 39840 Los Alamos Rd # D10, Murrieta, CA 92562 – (951) 698-4860
Picking an insurance agency shouldn’t rely on just the premium amount. Agents should be asked these questions:
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will their companies depreciate repairs to your car based on the mileage?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- How much will you save each year by using a higher deductible?
Once you have received good answers as well as a affordable price, chances are good that you have found a car insurance agent that will insure your vehicles.
Purchasing car insurance direct online is an option
Professional insurance agents can be invaluable at times, but you can also find affordable California auto insurance directly from online companies. Some companies like State Farm and Allstate that sell primarily through agents also let you buy direct online, and that can save time to possibly find a better rate.
If you’re apprehensive about selecting your own policy coverages when buying online, that is normal but is not a big issue. Auto insurance companies give you access to trained agents to answer any questions you may have.
Do online companies provide lower prices? Many people swear by it, but it’s difficult to answer because of the number of factors that impact your rate calculation. You may think that buying directly from the company saves the cost of an agent commission. But truthfully, marketing their products costs a lot of money and that impacts the rates consumers pay.
The only way to determine if prices are better online or from an agent is comparing rate quotes from both. You could possible even receive different price quotes using an online quote and an agent quote from the SAME company.
To learn even more about auto insurance
More information is located on the website for the California Department of Insurance through this link. California drivers can read enforcement actions against agents and companies, download brochures, and read industry bulletins.
Other useful links include Auto Insurance 101 and this page for help finding agents in Murrieta, CA.
One last thing about your coverage
As you restructure your insurance plan, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at a price you can afford.
Consumers switch companies for a number of reasons such as delays in paying claims, lack of trust in their agent, policy non-renewal or high rates after DUI convictions. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.
