Consumer Information for Searching Online for a Pompano Beach Insurance Agent

Finding good auto insurance in Pompano Beach can be challenging since selecting the best Pompano Beach auto insurance agent for your needs takes more work than just making a phone call. The chances are good you’re not only searching for a good agent, but also the best rates possible.

With State Farm, Allstate and many independent agents having offices in Pompano Beach, consumers have a hard time knowing which provider will have the best service and rates. Thankfully, consumers can get online quoting in order to build a list of agencies and thier coverage prices.

Car Insurance through a local Pompano Beach agent

Professional agents can point out coverage gaps and give you someone to call. The best thing about comparing insurance prices online is you can get the lowest rates but also keep your business local. And supporting local businesses is definitely important in Pompano Beach.

After filling out this simple form, your information is sent to participating agents in Pompano Beach who will battle for your coverage. There is no need to drive around as quotes are delivered directly to your email. Now that’s easy! You’ll get the best rates without the usual hassles of price shopping.

Two types of Pompano Beach insurance agencies

When looking for local Pompano Beach agents, there are two different types of agents to choose from. Agents are categorized either captive or independent.

Independent Insurance Agents

Independent insurance agents are not employed by any specific company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and that require little work on your part.

When searching for an agent, we recommend you include price quotes from several independent insurance agents to get the best comparison. Most have the option of insuring with lesser-known insurance companies which may provide better rates.

Below are Pompano Beach independent agents who can help you get rate quotes.

  • Richard L Tozzo Agency – 4311 Crystal Lake Dr # 419 – Pompano Beach, FL 33064 – (954) 341-6868
  • Aguiar Insurance Inc – 4081 N Federal Hwy # 10 – Pompano Beach, FL 33064 – (954) 785-3992
  • Smith-Merritt Insurance Inc – 2931 NE 16th St – Pompano Beach, FL 33062 – (954) 784-1807
Captive Insurance Agents

These agents are contracted to one company and examples are AAA, State Farm, Farmers Insurance and Allstate. These agents are unable to provide prices from multiple companies so it’s a take it or leave it situation. Captives are usually quite knowledgeable on the products they sell which can be an advantage. Consumers frequently choose to use a captive agent partially due to loyalty to the company and the convenience of having all coverages with one company.

Listed below are captive agencies in Pompano Beach that are able to give price quote information.

  • State Farm Insurance – 1701 E Atlantic Blvd # 1 – Pompano Beach, FL 33060 – (954) 941-0515
  • Allstate Insurance – 431 N Federal Hwy – Pompano Beach, FL 33062 – (954) 781-5444

To view a complete directory of captive insurance agents in Pompano Beach, visit this site.

Deciding on an auto insurance agent shouldn’t rely on just the bottom line cost. Any agent should be forthright in answering these questions:

  • Are there any discounts that you might be missing?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Do the companies they represent have a solid financial rating?
  • Who are their largest clients?

Once you have reasonable responses to all your questions and locked in a price quote, you may have just found an auto insurance agent that meets your needs to properly insure your vehicles.

Online car insurance providers

Licensed agents are indespensible for some people, but Florida car insurance can also be bought direct online. Certain auto insurance companies like State Farm and Allstate who employ agents also permit you to buy a policy online, so that should be considered if you prefer not to work with an agent.

If you’re anxious about choosing your own coverages when buying direct, this is a normal reaction for first-time shoppers. Car insurance companies all provide contact methods to answer any questions you may have.

When trying to find the best rates, the only way to determine if car insurance prices are lower online or from agents is making fair comparisons of each of their rates. Lots of times people will get different prices when using both online and agent quotes for the identical company. You won’t discover whether the best rates are online or from an agent without quoting identical coverages for both.

Does it save money buying online? It’s difficult to provide an answer due to the fact that there are many factors which can raise or lower premium rates. Some people will tell you that going direct saves by not paying a commission. In reality, advertising budgets are huge and this tends to eat up any savings.

Better coverage you can count on

Insureds who switch companies do it for any number of reasons including high rates after DUI convictions, delays in paying claims, delays in responding to claim requests or high prices. No matter why you want to switch, switching companies is less work than it seems.

Florida car insurance agent

As you shop your coverage around, it’s not a good idea to reduce needed coverages to save money. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your goal should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Additional consumer information websites

More information is located on the Florida Office of Insurance Regulation website. Click here for link. Visitors are able to file complaints about an insurance agent or broker, download brochures, read state legal mandates and laws, and report car insurance fraud.