If you’re looking to buy car insurance, there are a lot of options and choosing the right Goldsboro car insurance agent is not as easy as just randomly choosing from the yellow pages. You need a competent insurance agent, and also want to find competitive car insurance rates.
Insurance companies such as Allstate, Progressive and Geico all claim big savings with advertising and it is challenging if not impossible to sift through the bull and effectively compare rates to find the best deal.
Goldsboro agents for car insurance
Licensed agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of comparing rates online is you can get lower rates and still have an agent to talk to.
By using this quick form, your insurance coverage information is immediately sent to participating agents in Goldsboro who will give you bids for your business. You won’t need to visit any agencies since price quotes are sent straight to your inbox. Now that’s easy! It’s the lowest rates without the usual hassles of price shopping.
Choosing an insurance agency requires more thought than just the premium amount. Agents should be asked these questions:
- Are you getting all the discounts the company offers?
- What insurance companies do they recommend if they are an independent agent?
- Is vehicle mileage a factor when determining depreciation for repairs?
- How much can you save by raising your physical damage deductibles?
- Do they receive special compensation for putting your coverage with one company over another?
Compare rates from both independent and captive car insurance agents
If you’re trying to find a good insurance agency, there are a couple of different agency structures that you can select. Agents can either be captive or independent.
Captive Agents
These agents work for only one company and examples are Liberty Mutual, Allstate, Farmers Insurance or State Farm. They are unable to provide prices from multiple companies so keep that in mind. Captives are trained well in insurance sales and that can be a competitive advantage.
The following is a short list of captive agents in Goldsboro who can help you get price quotes.
Allstate Insurance Co – 1229 Martin St – Goldsboro, NC 27531 – (919) 222-9315
State Farm Insurance – 908 E Ash St – Goldsboro, NC 27530 – (919) 735-9122
Nc Farm Bureau Insurance – 1314 W Grantham St # B – Goldsboro, NC 27530 – (919) 734-2370
Independent Agents
Independent insurance agents are not required to write business for one company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency. When shopping rates, you should always get quotes from at least one independent agent to have the most options to choose from.
Shown below is a short list of independent agencies in Goldsboro that can give you price quote information.
Direct General Ins Agency – 706 E Ash St # 5 – Goldsboro, NC 27530 – (919) 736-0067
Horace Mann Insurance Co – 1016 E Ash St – Goldsboro, NC 27530 – (919) 736-0253
Walker Insurance Group – 1813 N Berkeley Blvd # C – Goldsboro, NC 27534 – (919) 778-9992
Peterson Agency – 511 N William St # A – Goldsboro, NC 27530 – (919) 580-0079
For a complete listing of car insurance agents in Goldsboro, click here to link.
Upon receiving satisfactory answers for all questions you ask and locked in a price quote, you’ve probably found a car insurance agent that will insure your vehicles.
But what about buying coverage online?
Auto insurance agents are important, but you can also find affordable North Carolina auto insurance from companies direct over the internet. Some specific companies that sell primarily through agents also give you the ability to get quotes and purchase online, so that should be considered if finding the best price is important.
If you’re worried about not getting advice from an agent when buying direct, this really isn’t an issue. Companies that require consumers to choose their own coverages provide customer service to answer your questions. They also make available live help and 24/7 access to help you make a buying decision.
Does car insurance cost less online? Whether or not you’ll save is impossible to say because there are many factors that are calculated into your premium. It would make sense to think that buying online saves money by not requiring a commission. For most online online companies, however, there are high advertising and marketing costs so rates may not be all that different from traditional agents.
The only way to know who has the best deal, local agents or online insurance companies, is to compare price quotes from both. You may actually get a different price from insurance agents and online quoting returned by the same company. But you won’t know which is cheaper until after you compare the same coverages both ways.
Even more information can be read at the North Carolina Department of Insurance website. Visitors are able to read industry bulletins, learn about insurance regulations, read state legal mandates and laws, and read consumer alerts.
Quote more, save more
People change insurance companies for a number of reasons such as high rates after DUI convictions, questionable increases in premium, extreme rates for teen drivers or lack of trust in their agent. Regardless of your reason, choosing a new insurance company can be less work than you think.
When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where someone dropped full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.
