Consumers Guide to Searching for a Pasco Insurance Agent

To locate a good insurance agent in Pasco, WA, we recommend you start your research by comparing rates online rather than picking up the phone. Consumers require a good agent that listens to you, but also the best car insurance prices in Pasco.

Online insurance companies like Geico, 21st Century and Progressive continually hit you with advertising and it can be hard to ignore the flashy ads and find the best price available.

Car Insurance through a local Pasco agent

Good agents can answer important questions and give you someone to call. The biggest benefit of getting online price quotes is the fact that you can find the lowest rates and still choose a local agent.

After filling out this short form, your information is transmitted to local insurance agents who will compete for your coverage. There is no need to even leave your home as quotes are delivered straight to your inbox. Now that’s easy!

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

  • Is working in the agency their full-time job?
  • Can they provide you with a list of referrals?
  • What insurance company do they write the most business with?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Did they already check your driving record and credit reports?

Types of insurance agents

When searching for a reliable agent, there are two different agency structures from which to choose. Pasco agents are categorized either independent (non-captive) or captive. Either one can do a good job, but it’s worth mentioning the difference between them since it may influence your agent selection.

Captive Insurance Agents

Captive agencies write business for a single company and some examples include Liberty Mutual, State Farm, Allstate and AAA. They generally cannot provide prices from multiple companies so keep that in mind. Captive agencies receive extensive training on the products they sell which helps them compete with independent agents.

Listed below are captive insurance agents in Pasco that can give you rate quotes.

State Farm Insurance – 1408 N 20th Ave # C – Pasco, WA 99301 – (509) 547-9571
Farmers Insurance Group – 4013 W Court St – Pasco, WA 99301 – (509) 545-4300
Allstate Insurance – 3330 W Court St # I – Pasco, WA 99301 – (509) 547-1171

Independent Agencies or Brokers

Independent insurance agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to find a new agent.

When searching for an agent, it’s recommended you include multiple independent agents for maximum quote selection.

The following are independent agencies in Pasco that are able to give price quote information.

Veliz Insurance – 1600 W Clark St # C – Pasco, WA 99301 – (509) 547-5507
Finder’s Insurance Inc – 1501 W Court St # 105 – Pasco, WA 99301 – (509) 545-8101

To view a complete directory of car insurance agents in Pasco, visit this site.

Once you have received positive responses to your questions as well as a affordable price, chances are good that you have found an insurance agent that will insure your vehicles.

But what about Progressive, Geico and other online companies?

Local insurance agents can be invaluable at times, but you can also buy Washington car insurance from companies direct over the internet. Some companies, such as Farmers Insurance and State Farm, who have local agents in Pasco additionally provide the ability to get quotes and purchase online, and that is helpful.

If you’re worried about not having an insurance agent’s advice, that is quite common when buying online the first time. All companies that allow you to purchase coverage all have client service departments for getting the best coverage.

Can buying online lower your premiums? It’s difficult to provide an answer because there are so many things that determine your policy premium. You may think that buying online lowers rates due to not having any agent compensation. In reality, advertising and marketing take a lot of money so rates may not be all that different from traditional agents.

If the best price is important to you, the most effective way to determine if local insurance agents or online providers are cheaper is to set aside time to compare rates from both. It’s even possible to receive different pricing from the same car insurance company depending on if you quote online or with their agents.

Best coverage at the best price

While you’re price shopping online, you should never reduce needed coverages to save money. Too many times, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. The aim is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

People who switch companies do it for any number of reasons including high prices, poor customer service, extreme rates for teen drivers or policy non-renewal. Regardless of your reason for switching companies, finding the right car insurance provider can be pretty painless.

Washington insurance information

Additional detailed information is located at the Washington State Office of the Insurance Commissioner website. Consumers can learn about insurance regulations, view a list of available companies, and find out which companies have the most complaints.

Also read more on these car insurance answers and this link where you can make Pasco car insurance comparisons.