Deerfield Beach Car Insurance Provider 101

When shopping for car insurance, finding the best Florida auto insurance agent is not as easy as just making a phone call. It’s highly likely you require not only a good agent, but also affordable coverage.

With companies like American Family, Allstate, State Farm and independent agents all competing for business in Deerfield Beach, it’s hard to tell which will provide you with the best service and rates. Fortunately, consumers can get insurance quotes online to assemble a group of insurance agents to choose from.

Your local neighborhood insurance agent

Agents can answer important questions and help file insurance claims. The best thing about comparing rates online is that you can obtain better rates and still have an agent to talk to. Buying from local insurance agencies is definitely important in Deerfield Beach.

Upon completion of this quick form, your insurance data is transmitted to local insurance agents in Deerfield Beach who will return price quotes for your coverage. You never need to even leave your home as quotes are delivered directly to your email. How’s that for easy! Get lower rates and an insurance agent to talk to.

Best auto insurance agent in Deerfield Beach

If you’re trying to find local Deerfield Beach agents, there are two different types of agents that you can select. Agencies in Deerfield Beach are either independent or captive.

Independent Agents (or Brokers)

Independent agencies are not required to write business for one company so they can insure your vehicles with lots of companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part. When comparison shopping, it’s a good idea to include price quotes from at least one independent agent to have the most options to choose from.

Below are Deerfield Beach independent insurance agencies who can help you get price quote information.

Schiraldi and LA Pinta Insurance – 1676 W Hillsboro Blvd – Deerfield Beach, FL 33442 – (954) 725-9898
Auto-Matic Insurance – 1340 S Federal Hwy – Deerfield Beach, FL 33441 – (954) 421-9953

Captive Insurance Agents

Captive insurance agents have only one company to place business with such as Allstate, Farmers Insurance, State Farm and AAA. They generally cannot give you multiple price quotes so keep that in mind. Captive agencies are well schooled in insurance sales which can be an advantage.

Selecting an insurance agent needs to be determined by more than just a low price. Agents should be asked these questions:

  • Do they carry Errors and Omissions coverage?
  • Do they regularly work with personal auto policies?
  • Are they full-time agents?
  • How are they compensated?
  • Is the agency involved in supporting local community causes?

After receiving reasonable responses to all your questions and locked in a price quote, chances are good that you have found a car insurance agent that will insure your vehicles.

The online companies promise big savings

Local insurance agents are a valuable resource, but Florida drivers can also buy direct online. Certain auto insurance companies that are more known for using agents, also give you the ability to buy direct on their websites, and that can save time as an alternative to contacting agents.

If you’re worried about selecting your own policy coverages when buying car insurance direct, that is quite common when buying online the first time. Companies provide customer service to walk you through the process.

Is it cheaper to buy online? The answer to that question is complicated since there may be dozens of rate factors that are calculated into your premium. You may think that buying car insurance online saves money because there is no commission. For most companies selling online, however, there are very high advertising costs so this can offset any savings.

Deerfield Beach FL independent agents

Affordable insurance is out there

Insureds switch companies for many reasons like policy cancellation, delays in paying claims, extreme rates for teen drivers and even an unsatisfactory settlement offer. Whatever your reason, finding the right car insurance provider can be less work than you think.

The cheapest car insurance is attainable both online and with local Deerfield Beach insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.

More resources for learning

Much more information about car insurance in Florida is located on the website for the Florida Office of Insurance Regulation through this link. Florida consumers can get help finding coverage, file complaints about an insurance agent or broker, and view agent and company licensing information.