Comparison Shop the Cheapest Auto Insurance Rates From the Best Insurance Agents in El Cajon

When finding a good insurance agent in El Cajon, CA, we recommend you begin your search for an agent online instead of making phone calls. You require a decent agent, and also want to find the best auto insurance prices in El Cajon.

Having so many online and local companies to choose from, it is hard for the average consumer to choose the cheapest company.

Save time by quoting online

Professional agents can point out coverage gaps and help file insurance claims. The biggest benefit of comparing rates online is the fact that you can find the best rates but also keep your business local.

Once you complete this simple form, your information is instantly submitted to participating agents in El Cajon who will battle for your business. You never need to visit any agencies since price quotes are sent to the email address you provide. It doesn’t get any easier! You’ll get the best rates and an insurance agent to talk to.

Picking an insurance agent requires more thought than just the premium amount. Ask your prospective agent these questions:

  • Can they give you a list of client referrals?
  • Do they carry Errors and Omissions coverage?
  • How are they compensated?
  • Is assistance available after office hours?
  • Can glass repairs be made at your home?
  • Will your rates increase after a single accident?
  • Did they already check your driving record and credit reports?

Insurance agent types

When finding a reliable agent, you need to know there are two different agency structures from which to choose. Insurance agencies in El Cajon are categorized either independent (non-captive) or captive.

Agency Captives

These agents write business for a single company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to shop your coverage around so always compare other rates. Captives are trained well in insurance sales which helps them compete with independent agents.

Shown below are captive insurance agents in El Cajon who can help you get price quote information.

Farmers Insurance Group – 1651 E Main St # 202 – El Cajon, CA 92021 – (619) 444-1141
Allstate Insurance – 680 Fletcher Pkwy # 204 – El Cajon, CA 92020 – (619) 444-9913
Liberty Mutual Insurance – 731 Jamacha Rd – El Cajon, CA 92019 – (619) 579-3501

Independent Agents

Independent agents are not required to write business for one company so they have the ability to put coverage with lots of companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part. When searching for an agent, it’s a good idea to get quotes from several independent insurance agents for the best price selection.

Shown below are El Cajon independent insurance agents who can help you get comparison quotes.

Nick L Patrico Agency – 580 Broadway – El Cajon, CA 92021 – (619) 579-9633
Bill Fleetwood Agency – 1651 E Main St # 202 – El Cajon, CA 92021 – (619) 590-0022
Brooke Auto Insurance – 623 W Main St – El Cajon, CA 92020 – (619) 593-3779
CSS Special Svc Insurance – 1466 Graves Ave # 201 – El Cajon, CA 92021 – (619) 440-2600
Jay B Mills Agency Inc – 535 Broadway # 100 – El Cajon, CA 92021 – (619) 447-7997

To view a full list of licensed insurance agents in El Cajon, go to this page.

Once you have received acceptable answers to all your questions and an acceptable price quote, it’s possible that you found an insurance agent that is a good match to service your policy.

Can I save by eliminating the insurance agent?

Insurance agents are perfect for certain consumers, but California consumers also have the option to buy direct online. Certain auto insurance companies who employ agents also give you the option to buy direct on their websites, so keep that in mind if you don’t want to take the time to contact agents.

If you’re concerned about not having someone to ask questions when buying direct, that should not be a issue. Online car insurance companies that allow you to purchase coverage all have toll-free customer service for getting questions answered.

Is it cheaper to buy car insurance online? Many people swear by it, but it’s difficult to answer since there may be dozens of rate factors that can increase policy rates. Some people think that a shopper who purchases direct cuts out the agent as a middleman. For most companies selling online, however, there are very high advertising costs so this can offset any savings.

find El Cajon insurance agents

Read more about California auto insurance

Even more information can be read at the California Department of Insurance website. California drivers can find disaster information, find out industry alerts, read state legal mandates and laws, and find a variety of consumer forms.

Also read more on this site for rates in California and this link where you can get more info about El Cajon coverage.

Online plus local equals savings

Consumers switch companies for a variety of reasons including not issuing a premium refund, questionable increases in premium, being labeled a high risk driver or even extreme rates for teen drivers. It doesn’t matter what your reason, finding the right auto insurance provider can be easy and end up saving you some money.

Low-cost auto insurance is attainable from both online companies and also from your neighborhood El Cajon agents, so compare prices from both so you have a total pricing picture. Some insurance providers may not provide online quoting and these small insurance companies work with independent agents.