When finding a good Lauderhill agent, you can start your search using online quotes rather than picking up the phone. It’s likely you require not only a professional agent, but you also want to find affordable coverage.
With companies like State Farm, Allstate and many independent agents all competing for business in Lauderhill, it’s hard to tell which one will have the lowest rates and best service. To help decide, it’s easy to use online quoting to get a list of insurance agents and price estimates.
Quote online but work with a neighborhood agent
Agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of comparing rates online is you can get the lowest rates and still choose a local agent. Supporting local businesses is important particularly in Lauderhill.
To make it easy to find an agent, after completing this simple form, your coverage information is transmitted to agents in your area who will battle for your business. You don’t have to leave your house since price quotes are sent to the email address you provide. It doesn’t get any easier!
Different types of Lauderhill car insurance agents
When searching for a reliable agent, there are two different agency structures from which to choose. Lauderhill agents can either be independent or captive. Both types can do a good job, but it’s worth learning the differences since it can impact the selection process.
Independent Agents (or Brokers)
Independent agencies are not employed by any specific company so they have the ability to put coverage amongst many companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent.
When comparison shopping, we recommend you include multiple independent agents for the best price selection.Many can place coverage with lesser-known insurance companies which may provide better rates.
Below is a short list of independent agents in Lauderhill that can give you comparison quotes.
- All Protection Insurance Svc – 2994 NW 55th Ave – Lauderhill, FL 33313 – (954) 735-1931
- Uvo’s Insurance – 7101 W Commercial Blvd # 4c – Lauderhill, FL 33319 – (954) 718-9898
Captive Insurance Agents
Captive agents work for only one company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. These agents are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Consumers often buy from captive agents primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.
Shown below are captive agents in Lauderhill willing to provide price quotes.
- State Farm Insurance – 7248 W Oakland Park Blvd – Lauderhill, FL 33313 – (954) 748-1310
For a full directory of auto insurance agents in Lauderhill, please view this page.
Deciding on a car insurance agent shouldn’t rely on just a low price. Ask your prospective agent these questions:
- How much will you save each year by using a higher deductible?
- Do they have any clout with companies to ensure a fair claim settlement?
- If your car is totalled, how to they determine the replacement cost?
- Who is covered by the car insurance policy?
- Is the agent and/or agency licensed to do business in Florida?
- Is their price quote a firm figure or are their hidden costs?
- How are they compensated?
Upon getting good answers to any questions you have and a good coverage price, you may have just found a car insurance agent that will properly service your auto insurance policy.
The online companies are an option
Auto insurance agents are important, but Florida car insurance can also be bought from companies direct over the internet. Even companies, such as State Farm, Allstate and Farmers, who have local agents in Lauderhill also allow you to get a quote and buy online, and consumers should do that if you prefer to buy online.
If you’re uncomfortable with not having an insurance agent’s advice, don’t let it bother you. Car insurance companies all have toll-free customer service for customer questions. Also available are anytime access to help and a customer research section to help you answer questions.
Are online rates lower? It’s difficult to provide an answer since there are so many factors that influence how your policy is priced. Many people think that a shopper who purchases direct saves by not paying a commission. But the reality is advertising budgets are huge and this tends to eat up any savings.
Shop smart and save
Budget-conscious auto insurance can be sourced online and with local Lauderhill insurance agents, so compare prices from both to have the best rate selection. Some auto insurance companies do not offer the ability to get a quote online and these smaller companies work with independent agents.
When buying insurance coverage, make sure you don’t buy poor coverage just to save money. In many instances, an insured dropped comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at the best price while not skimping on critical coverages.
Additional auto insurance information is available on the Florida Office of Insurance Regulation website through this link. Consumers can learn about specific coverages, read consumer alerts, and view agent and company licensing information.