Five Minutes to the Best Car Insurance Rates From Agents in Escondido California

Finding good car insurance in Escondido can be challenging since you have many choices and choosing the right Escondido car insurance agent is harder than just calling the closest agent. Most likely you not only want a professional agent, but you also need the best rates possible.

With State Farm, Allstate and many independent agents having local Escondido offices, consumers have a hard time knowing which insurance agent will provide you with the cheapest rates and the best coverage. To begin, it’s easy to use insurance quotes online to build a list of insurance agencies from which to choose.

Online quotes with a local Escondido insurance agent

Good agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of getting online price quotes is that you can obtain the lowest rates but also keep your business local. Buying from local businesses is definitely important in Escondido.

After filling out this quick form, the quote information is emailed to companies in Escondido who will return price quotes for your business. You won’t need to even leave your home due to the fact that quote results will go to the email address you provide. How’s that for easy!

Shown below is a list of insurance agencies in Escondido that may be willing to give rate quotes.

Jeff Case Insurance – 2430 Vineyard Ave, Escondido, CA 92029 – (760) 747-5333
Allied Insurance – 1672 E Valley Pkwy, Escondido, CA 92027 – (760) 746-0721
Allstate Insurance – 1081 Borden Rd # 104, Escondido, CA 92026 – (760) 480-1301
Farmers Insurance Group – 330 W Felicita Ave, Escondido, CA 92025 – (760) 480-2954
State Farm Insurance – 1340 W Valley Pkwy # 103, Escondido, CA 92029 – (760) 738-7710
Joevan’s Agency – 211 Oak Valley Ln, Escondido, CA 92027 – (760) 294-4618

Choosing an insurance agency requires more thought than just the price. Agents should be asked these questions:

  • Will your rates increase after a single accident?
  • Is assistance available after office hours?
  • How long have they worked with personal auto insurance coverage?
  • Do they specialize in personal lines coverage?
  • Which company do they place the most coverage with?
  • Do they have any clout with companies to ensure a fair claim settlement?

Once you have positive responses and an affordable coverage quote, most likely you have located a car insurance agent that meets your needs to adequately provide car insurance.

Online alternative for car insurance

Licensed agents are perfect for certain consumers, but you also have the option of buying from companies direct over the internet. Some specific companies who employ agents also allow consumers to buy direct online, so keep that in mind.

If you’re anxious about not having someone to ask questions when buying car insurance direct, this is expected but don’t let that bother you. Online insurance companies that require consumers to choose their own coverages all provide contact methods to answer your questions.

Is pricing better online? It’s hard to say exactly since companies use quite a few components which can adversely affect your policy premium. Common sense would say that buying online cuts out the agent as a middleman. But the reality is online and traditional media advertising are expensive so the lack of a commission may be a wash.

If you just want to find lower premiums, the most effective way to determine who has the best rates, online companies or local insurance agents, is comparing prices for both of them. It’s not unheard of to actually get different prices from the exact same provider when they compare quotes from both.

Smart shoppers get results

Consumers change insurance companies for many reasons like unfair underwriting practices, denial of a claim, poor customer service and high prices. Regardless of your reason for switching companies, finding the right car insurance provider is less work than it seems.

free California insurance quote

While you’re price shopping online, you should never reduce coverage to reduce premium. In many cases, someone dropped comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at the best price while not skimping on critical coverages.

Much more information about car insurance in California can be found on the website for the California Department of Insurance through this link. Visitors are able to read state legal mandates and laws, read enforcement actions against agents and companies, and read consumer alerts.