Fountain Auto Insurance Agents – Things you Need to Know

To find a good Fountain agent, you can always start your search on the web in order to save time. Most likely you require not only a professional agent, but also great rates as well.

With companies like State Farm, Allstate, Farmers and independent agents having local Fountain offices, it’s hard to tell which auto insurance agent will give you the lowest rates and best service. Fortunately, consumers can get online quotes to get a list of insurance agencies from which to choose.

Car Insurance from Fountain insurance agents

Good agents can help determine the best coverages and help you file claims. One of the great benefits of comparing insurance prices online is you can get lower rates but also keep your business local. And providing support for small agencies is especially important in Fountain.

After filling out this form (opens in new window), the quote information is transmitted to insurance agents in Fountain who will compete for your insurance coverage. There is no reason to visit any agencies as quotes are delivered straight to your inbox. It doesn’t get any easier!

How to choose the best car insurance agent in Fountain

When looking for an insurance agent, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Insurance agencies in Fountain are either independent or captive. Both types can properly insure your vehicles, but it’s important to know the differences since it may influence the type of agent you choose

Independent Agents (or Brokers)

Independent agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to find a new agent. When comparing rates, you should always include price quotes from several independent insurance agents for the best price selection. They often place coverage with smaller regional carriers which can be an advantage.

Below is a short list of independent agencies in Fountain who can help you get comparison quotes.

  • Fountain Valley Insurance – 7420 Franconia Dr – Fountain, CO 80817 – (719) 390-6495
  • Aaires Insurance and Investments – 513 N El Paso St – Fountain, CO 80817 – (719) 382-3852
Agency Captives

Captive agents are contracted to one company and some examples include State Farm or Allstate. They usually cannot compare other company’s rates so keep that in mind. These agents are well schooled on their company’s products and that can be a competitive advantage. Consumers sometimes choose to use a captive agent mainly due to the prominence of the brand and the convenience of having all coverages with one company.

Below is a short list of captive agents in Fountain that can give you price quotes.

  • American Family Insurance – 709 Dale St # A – Fountain, CO 80817 – (719) 382-4900

For a complete listing of auto insurance agents in Fountain, click here to link.

Deciding on an insurance agency shouldn’t rely on just a low price. Ask your prospective agent these questions:

  • Is the agency involved in supporting local community causes?
  • How long has their agency been open in Fountain?
  • Do they regularly work with personal auto policies?
  • How often do they review policy coverages?
  • Are you getting all the discounts the company offers?

Upon getting answers to your satisfaction to your questions and a low price estimate, chances are good that you have found a car insurance agent that meets your needs to properly insure your vehicles.

Can you find lower rates by buying online?

Licensed agents are important to many people, but you also have the option of buying direct from companies that only sell online. Some companies, such as Farmers Insurance and State Farm, who have local agents in Fountain additionally provide the ability to buy direct online, so this should also be taken into consideration if the lowest rate is your goal.

If you’re worried about not getting proper coverage when buying car insurance direct, this is normal but is quickly overcome. Auto insurance companies give you access to trained agents for getting questions answered. Also available are anytime access to help and a customer research section to help with the buying process.

Is auto insurance cheaper online? That is a tough question to answer since there are so many factors that influence your rates. Common sense would say that buying directly from the company reduces premiums because there is no agent. But the reality is it’s expensive to advertise and that impacts the rates consumers pay.

Keep this in mind

Insureds change insurance companies for many reasons like delays in paying claims, not issuing a premium refund, being labeled a high risk driver and even questionable increases in premium. It doesn’t matter what your reason, choosing a new insurance company can be easy and end up saving you some money.

Cost effective auto insurance can be bought on the web as well as from independent agents in Fountain, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies don’t offer online quoting and these small, regional companies work with independent agents.

Additional information is located on the Colorado DORA Division of Insurance website located here. Consumers can view a list of available companies, find out industry alerts, and discover disciplinary actions.

Other informative sites include Auto Insurance 101 and this list of agents in Fountain, CO.