Selecting a car insurance company in Sunrise, Florida can be time consuming since you have many choices and selecting the best Sunrise insurance agency for your needs is not as easy as just driving to the closest agent’s office. Chances are good you require not only a professional licensed agent, but you also need affordable coverage.
With State Farm, Allstate, Farmers and independent agents having offices in Sunrise, it’s difficult to determine which provider will provide the best rates, service and coverage. To begin, consumers can use online price quotes to assemble a group of agencies and thier coverage prices.
Sunrise agents and online quotes
Professional agents can point out coverage gaps and help in the event of a claim. The biggest benefit of price shopping on the web is you can get the best rates and still choose a local agent. And providing support for local insurance agencies is definitely important in Sunrise.
After filling out this short form, your information is sent to companies in Sunrise who will give you bids for your insurance coverage. There is no need to leave your house because quoted prices will be sent to the email address you provide. How’s that for easy! You’ll get the best rates without the usual hassles of price shopping.
Choose the right auto insurance agent
When researching a reliable agent, you need to know there are two different agency structures to choose from. Insurance agencies in Sunrise can either be captive or independent (non-captive).
Independent Agencies or Brokers
These agents are not locked into one company but instead can place your coverage with multiple insurance companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part.
When shopping rates, we recommend you get quotes from multiple independent agents to have the most options to choose from.
Shown below is a list of independent agents in Sunrise that are able to give competitive price quotes.
Chubb Group Of Insurance Co – 1550 Sawgrass Corporate Pkwy – Sunrise, FL 33323 – (954) 626-5000
South Florida Insurance – 3801 N University Dr – Sunrise, FL 33351 – (954) 748-4266
Southern Agency Inc – 4980 NW 88th Ave – Sunrise, FL 33351 – (954) 749-1706
Captive Insurance Agents
Captive insurance agents write business for a single company and examples are American Family, State Farm and Allstate. Captives cannot provide prices from multiple companies so they have to upsell other benefits. They are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums.
Shown below is a short list of captive insurance agencies in Sunrise who can help you get price quotes.
Allstate Insurance – 2500 N University Dr # 8 – Sunrise, FL 33322 – (954) 747-1515
State Farm Insurance – 13790 NW 4th St # 103 – Sunrise, FL 33325 – (954) 846-9333
To view a complete directory of captive agents in Sunrise, visit this link.
Selecting an auto insurance agent shouldn’t rely on just the premium amount. Some important questions to ask are:
- How long has their agency been open in Sunrise?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Is the agency involved in supporting local community causes?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is assistance available after office hours?
Once you have satisfactory answers for all questions you ask as well as a affordable price, it’s possible that you found an insurance agency that meets your needs to provide car insurance coverage.
Can you buy online and save?
Insurance agencies are important, but you can also find affordable Florida auto insurance from online companies direct. Certain companies that sell primarily through agents also allow you to buy direct online, and that is helpful if you don’t want to take the time to contact agents.
If you’re concerned about whether or not you’ll have guidance when buying direct, this is normal but is quickly overcome. Auto insurance companies all have toll-free customer service to answer your questions.
Does coverage cost less online? That question is hard to answer because there are so many things which can raise or lower premium rates. Some people think that going direct cuts out the agent as a middleman. But truthfully, online and traditional media advertising are expensive so the rates may be similar to buying from an agent.
If you have the time, the only way to find out where you can get the lowest rate, either online or from agents, is to compare price quotes from both. It’s even possible to receive different pricing comparing agents to online prices for the exact same company.
One last thing
People who switch companies do it for a number of reasons such as high rates after DUI convictions, denial of a claim, lack of trust in their agent and even being labeled a high risk driver. It doesn’t matter why you want to switch switching companies is actually quite simple.
When trying to cut insurance costs, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where someone dropped full coverage and discovered at claim time that it was a big mistake. Your aim should be to purchase a proper amount of coverage at the best price while still protecting your assets.
For more information
Additional car insurance information can be found on the website for the Florida Office of Insurance Regulation found here. Consumers can find disaster information, discover disciplinary actions, and file complaints about an insurance agent or broker.