Five Minute Guide to Searching Online for a Rockville Insurance Agent

To find a good Rockville agent, you can always start your research by getting online comparison quotes rather than picking up the phone. Chances are you’re looking for a professional licensed agent, but you also want affordable coverage.

With insurance companies like American Family, Allstate, State Farm and Farmers having local Rockville offices, it can be hard to know which insurance agency will give you the cheapest rates and the best coverage. Fortunately, it’s easy to use online quotes to assemble a group of insurance agencies from which to choose.

Quote online but still have a local agent

Agents can point out coverage gaps and help in the event of a claim. The best thing about comparing insurance prices online is the fact that you can find the lowest rates but still work with a licensed agent. And providing support for local insurance agencies is especially important in Rockville.

Upon completion of this quick form, the coverage information is submitted to participating agents in Rockville who will compete to get your business. You don’t have to leave your house because quoted prices will be sent directly to your email. It doesn’t get any easier! Get lower rates and a licensed agent to work with.

Do you need an independent or captive auto insurance agent?

If you’re trying to find a good insurance agency, there are two different types of agents that you can select. Agencies in Rockville are either independent or captive.

Independent Agencies or Brokers

Independent agents are not required to write business for one company but instead can place your coverage with many different companies enabling the ability to shop coverage around. 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, it’s a good idea to include price quotes from multiple independent agents to get the best comparison.Most can insure with different regional companies which can be an advantage.

Shown below are independent insurance agents in Rockville that are able to give price quotes.

  • Herb Krusen Insurance Group – 1057 Rockville Pike – Rockville, MD 20852 – (301) 545-0733
  • Vas and Vas Insurance – 4616 Randolph Rd – Rockville, MD 20852 – (301) 770-4510
  • C Clifton Veirs Agency – 932 Hungerford Dr # 15 – Rockville, MD 20850 – (301) 424-8700
Agency Captives

These agents can only write with one company like American Family, State Farm and Allstate. They generally cannot give you multiple price quotes so keep that in mind. Captives are usually quite knowledgeable in insurance sales which helps them compete with independent agents. Consumers often purchase coverage from captives mainly due to the prominence of the brand and the convenience of having all coverages with one company.

Below is a list of captive agencies in Rockville that can give you rate quotes.

  • Liberty Mutual Insurance – 6101 Executive Blvd # 100 – Rockville, MD 20852 – (301) 881-9300
  • Allstate Insurance – 451 Hungerford Dr # 616 – Rockville, MD 20850 – (301) 315-8300
  • State Farm Insurance – 152 Rollins Ave # 205 – Rockville, MD 20852 – (301) 468-9165

For a complete listing of Rockville captive agencies, please view this page.

Picking an insurance agency should depend on more than just a low price. Any agent should be forthright in answering these questions:

  • Do they receive special compensation for putting your coverage with one company over another?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • What insurance companies do they recommend if they are an independent agent?
  • What are the financial ratings for the companies they represent?
  • If your car is totalled, how to they determine the replacement cost?
  • Do they specialize in personal lines coverage?
  • Can they provide you with a list of referrals?

Upon receiving acceptable answers to all your questions as well as a affordable price, most likely you have located an auto insurance agent that can properly service your auto insurance policy.

Consider every option when buying coverage

Car insurance agents serve a purpose, but you can also find affordable Maryland auto insurance direct from companies that only sell online. Certain auto insurance companies like Allstate and State Farm that sell primarily through agents also allow you to quote and buy online, so that should be considered if you prefer not to work with an agent.

If you’re anxious about not having an insurance agent’s advice, that is normal but is not a big issue. Online car insurance companies all have toll-free customer service that you can contact for information.

Will you save money buying auto insurance online? It’s hard to say exactly since there are many things that determine your policy premium. It’s a common assumption that buying directly from the company lowers rates due to not having any agent compensation. For most online online companies, however, advertising budgets are huge so this can offset any savings.

Online plus local equals savings

Cheaper auto insurance is possible online in addition to many Rockville insurance agents, so compare prices from both to have the best rate selection. Some auto insurance companies do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

Consumers leave their current company for many reasons like policy non-renewal, high prices, questionable increases in premium or unfair underwriting practices. Regardless of your reason, switching companies can be easy and end up saving you some money.

best Rockville insurance agency

More information can be found on the Maryland Insurance Administration website located here. Consumers can view agent and company licensing information, read enforcement actions against agents and companies, and file complaints about a company.

The following information may also be useful.