Consumer Information for Searching for a Norfolk, VA Insurance Agent

If you’re trying to find a licensed insurance agent in Norfolk, we recommend you start your research by comparing rates online to save time. For this article’s sake, it’s assumed you want a good agent, but also affordable coverage.

With insurance companies like Allstate, Farmers and State Farm as well as independent agents all competing for business in Norfolk, it’s difficult to determine which provider will provide you with the lowest rates and best service. Thankfully, consumers can use insurance quotes online to assemble a group of insurance agents and thier coverage prices.

Quote online but still have a local agent

Professional agents can answer important questions and help in the event of a claim. One of the best bonuses of comparing rates online is that you can obtain lower rates and still have an agent to talk to. Supporting local businesses is important especially in Norfolk.

After completing this short form, the coverage information is immediately sent to local insurance agents in Norfolk who will compete for your business. You never need to visit any agencies since price quotes are sent immediately to your email address. How cool is that?!

If you prefer to contact a specific insurance agent in Norfolk, simply jump to this page.

Deciding on an auto insurance agent shouldn’t rely on just the premium amount. These are valid questions to ask:

  • If you have an accident, will your rates go up?
  • How much will you save each year by using a higher deductible?
  • Can glass repairs be made at your home?
  • Do they assist clients in filing claims?
  • Are they full-time agents?
  • Do the companies they represent have a solid financial rating?
  • Are claim adjusters local or do you have to take your car somewhere else?

Once you have received satisfactory answers for all questions you ask and a good coverage price, you’ve probably found an insurance agent that can insure your vehicles.

Keep your options open

Insurance agencies are a valuable resource, but you can also find affordable Virginia auto insurance directly from online companies. A few companies who sell through agents in Norfolk also allow you to buy direct online, and online price comparisons are easy.

If you’re worried about not having an agent to talk to when buying direct, that is quite common when buying online the first time. Car insurance companies that require consumers to choose their own coverages all have toll-free customer service for getting advice on proper coverages. They also have help pages and frequently asked questions to help with the buying process.

The only way to determine if local insurance agents or online providers are cheaper is to get rates from both and compare them. It’s not unheard of to actually get different prices from the same insurance company depending on where you get the price quote from.

Are online rates lower? The answer is complex since there may be dozens of rate factors that determine the price you pay. Some people think that buying online saves the cost of an agent commission. For most companies selling online, however, the cost of constant advertising is expensive and this drives up their premium costs.

Additional car insurance information is located on the Virginia Bureau of Insurance website. Click here for link. Consumers can find out industry alerts, file complaints about a company, and discover disciplinary actions.

Summing up your car insurance search

When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where someone dropped collision coverage and discovered at claim time that they should have had better coverage. The proper strategy is to buy enough coverage at an affordable rate, not the least amount of coverage.

Norfolk VA insurance agencies

People who switch companies do it for many reasons like questionable increases in premium, high prices, being labeled a high risk driver or even extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new company can be pretty painless.