Consumers Guide to Searching for a Manassas Insurance Agency

Comparing auto insurance companies in Manassas, Virginia can be challenging because you have many choices and selecting the best Manassas insurance agency for your needs takes more work than just randomly choosing from the yellow pages. For the sake of this article, we’ll assume that not only do you want a great agent that can assess your needs, but also great rates as well.

With insurance companies like independent agents, Allstate and State Farm having local Manassas offices, it’s hard to tell which provider will have the best rates, service and coverage. Thankfully, consumers can get online quoting to assemble a group of insurance agencies and thier coverage prices.

Quote online but still have a local agent

Agents can answer important questions and give you someone to call. One of the great benefits of comparing insurance prices online is you can get the best rates but also keep your business local. Supporting small agencies is definitely important in Manassas.

After filling out this simple form, your coverage information is emailed to agents in your area who will battle for your business. There is no need to leave your computer as quotes are delivered to your email. It doesn’t get any easier! Get lower rates and an insurance agent to talk to.

Multiple types of car insurance agents in Manassas

When researching a local agent, you must know there are a couple types of insurance agents from which to choose. Agents are categorized either captive or independent.

Independent Insurance Agents

Independent agencies do not work for one specific company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency.

When comparing rates, you should always include price quotes from several independent insurance agents to get the best comparison. Many write coverage with smaller regional carriers which can save you money.

Shown below is a list of independent insurance agents in Manassas who can help you get rate quotes.

  • Moore Agency – 10755 Ambassador Dr # A – Manassas, VA 20109 – (703) 361-0233
  • USA Insurance Brokerage – – Manassas, VA 20110 – (703) 361-6365
  • Yergey Insurance – 10550 Linden Lake Plz # 100 – Manassas, VA 20109 – (703) 530-0300
Captive Insurance Agents

Captive insurance agents work for only one company like State Farm, AAA and Liberty Mutual. They generally cannot compare other company’s rates so they have to upsell other benefits. Captive agents receive extensive training in insurance sales which helps them sell insurance even at higher premiums. Consumers sometimes buy from captive agents primarily because of high brand loyalty and strong financial ratings.

Below are captive agents in Manassas willing to provide price quote information.

  • State Farm Insurance – 8704 Sudley Rd – Manassas, VA 20110 – (703) 369-6224
  • Allstate Insurance – 8912 Centreville Rd # A – Manassas, VA 20110 – (703) 369-7017
  • Farmers Insurance Group – 10682 Crestwood Dr # A – Manassas, VA 20109 – (703) 369-4127
  • Farm Bureau Insurance – 9010 Quarry St – Manassas, VA 20110 – (703) 368-6813

For a complete listing of auto insurance agents in Manassas, please go to this site.

Selecting an auto insurance agent shouldn’t rely on just a cheap price. These are valid questions to ask:

  • Who are their largest clients?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Do they specialize in personal lines coverage?
  • Are there any hidden costs in their price quote and does it include driving and credit history?

Upon getting good answers in addition to an acceptable price estimate, chances are good that you have found a car insurance agent that meets your needs to adequately provide auto insurance.

But what about online car insurance?

Professional insurance agents are perfect for certain consumers, but you also have the option of buying direct over the internet. Some specific companies like State Farm and Allstate who employ agents also let you buy a policy online, and that can save time.

If you’re apprehensive about not receiving proper advice when buying online, that is normal but is not a big issue. Car insurance companies have toll-free phone numbers and other options for customer questions. Most companies also provide live chat and online tools to clarify any questions you may have.

Can buying online lower your premiums? Many people swear by it, but it’s difficult to answer due to the large number of individual components which can raise or lower premium rates. It’s logical to say that shopping direct saves money by not requiring a commission. But the fact is, there are very high advertising costs and those expenses can offset most of the savings by selling direct.

More effort can pay off

The cheapest auto insurance can be sourced both online in addition to many Manassas insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not provide online quoting and most of the time these small insurance companies sell through independent agents.

best Manassas VA agent

When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an accident victim reduced liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at the best price, not the least amount of coverage.

More sites with auto insurance information

Additional information is available on the Virginia Bureau of Insurance website found here. Virginia drivers can learn about insurance regulations, learn about specific coverages, find disaster information, and file complaints about an insurance agent or broker.