When pricing car insurance in Anaheim, CA, there are a lot of options and selecting the best Anaheim auto insurance agent for your needs is harder than just randomly choosing from the yellow pages. Consumers require a professional licensed agent, but also need the lowest rates for car insurance in Anaheim.
Popular companies such as Geico and Progressive continually hit you with ads and it is challenging if not impossible to see past the geckos and flying pigs and effectively compare rates to find the best deal.
Working with a local agent
Professional agents can answer important questions and help submit paperwork. One of the best bonuses of comparing rates online is you may find the lowest rates and still choose a local agent.
After completing this form (opens in new window), the coverage information is instantly submitted to participating agents in Anaheim who will battle for your coverage. You don’t have to leave your computer as quotes are delivered immediately to your email address. Now that’s easy! It’s the lowest rates and work with a local agent.
Choosing an auto insurance agent requires more thought than just a cheap price. These are valid questions to ask:
- If your car is totalled, how to they determine the replacement cost?
- Do they regularly work with personal auto policies?
- Are claim adjusters local or do you have to take your car somewhere else?
- How are claims handled?
- How much can you save by raising your physical damage deductibles?
- What insurance companies do they recommend if they are an independent agent?
- Is vehicle mileage a factor when determining depreciation for repairs?
Anaheim auto insurance agents come in two flavors
When finding local Anaheim agents, you need to know there are two types of insurance agents from which to choose. Agencies in Anaheim are classified as either captive or independent.
Captive Agents
Captive agencies are contracted to one company like Liberty Mutual, State Farm, Allstate and AAA. They generally cannot compare other company’s rates so they have to upsell other benefits. They are very knowledgeable on their company’s products which can be an advantage.
The following is a list of captive insurance agencies in Anaheim that are able to give comparison quotes.
State Farm Insurance – 6200 E Canyon Rim Rd # 108c – Anaheim, CA 92807 – (714) 974-1402
Allstate Insurance – 323 N Brookhurst St – Anaheim, CA 92801 – (714) 635-5700
Farmers Insurance Group – 4501 E LA Palma Ave # 120 – Anaheim, CA 92807 – (714) 779-0560
Independent Agencies or Brokers
These agents do not work for one specific company but rather can write business with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency.
When searching for an agent, it’s a good idea to include at least one independent agent to get the best comparison.
Shown below is a short list of independent agencies in Anaheim that are able to give rate quotes.
Insurance Collision Ctr – 5120 E LA Palma Ave – Anaheim, CA 92807 – (714) 777-1577
Applied General Agency – 1235 N Blue Gum St – Anaheim, CA 92806 – (714) 632-2801
Ahmad Alahmad Insurance – 2295 W Broadway # K317 – Anaheim, CA 92804 – (714) 776-6800
Bob Bentley Agency – 121 N State College Blvd # 3 – Anaheim, CA 92806 – (714) 535-2825
Farmers Agency Anaheim Hills – 130 S Imperial Hwy – Anaheim, CA 92807 – (714) 974-4114
To view a complete directory of licensed insurance agents in Anaheim, please click here.
Once you have good answers and a low price estimate, chances are good that you have found an insurance agency that meets your needs to service your policy.
Which insurance is the “right” coverage?
When it comes to choosing proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.
- Are split liability limits better than a combined single limit?
- When should I drop full coverage on my vehicle?
- Am I covered when driving a rental car?
- Do I have coverage when pulling a U-Haul trailer?
- Do I really need UM/UIM coverage?
- Am I covered by my spouse’s policy after a separation?
- How high should my uninsured/underinsured coverage be in California?
- Do I need PIP (personal injury protection) coverage in California?
If you can’t answer these questions but you know they apply to you, you may need to chat with an insurance agent.
Consider every option when buying coverage
Insurance agents can be invaluable at times, but you can also find affordable California auto insurance from online companies direct. Even companies, such as State Farm, Allstate and Farmers, that are more known for using agents, also give you the option to buy online, so keep that in mind if finding the best price is important.
If you’re uncomfortable with not having professional advice when shopping online, this really isn’t an issue. All companies all have toll-free customer service for customer questions.
Is online auto insurance cheaper? The answer is complex due to the fact that there are multiple individual factors which can raise or lower premium rates. Common logic is that going direct saves money because there is no commission. But the reality is advertising budgets are huge and that impacts the rates consumers pay.
If the lowest price is important, the best way to know if the best rates are online or from local agents is making fair comparisons of each of their rates. It’s fairly common that you receive different coverage costs using an online quote and an agent quote from the same company.
In the end, you save
Drivers switch companies for a number of reasons such as policy cancellation, extreme rates for teen drivers, poor customer service or unfair underwriting practices. It doesn’t matter why you want to switch finding a new company is not as hard as you think.
When trying to cut insurance costs, you should never reduce coverage to reduce premium. There are too many instances where drivers have reduced uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at an affordable rate.
More information about car insurance
More tips and info about car insurance can be read at the California Department of Insurance website. California drivers can read consumer alerts, learn about specific coverages, and download brochures.
Other informative sites include NAIC.org’s Understanding your Policy and this list of insurance agents in Anaheim.
