When searching for a good Davie agent, it’s recommended you do an initial search using online quotes in order to save time. For the sake of this article, we’ll assume you not only want a good agent that listens to you, but you also need great rates as well.
With independent agents, Allstate and State Farm having offices in Davie, consumers have a hard time knowing which provider will have the best rates, service and coverage. To begin, it’s easy to use online quoting to build a list of agencies and thier coverage prices.
Comparing rates from local agents
Professional agents can answer important questions and help in the event of a claim. The best thing about comparing rates online is that you can obtain the best rates but also keep your business local. And providing support for local agencies is important especially in Davie.
To find an agent, once you fill out this short form, the quote information gets sent to local insurance agents in Davie who will battle for your coverage. You never need to leave your computer as quotes are delivered directly to your email. How cool is that?!
Captive agents vs. Independent agents
When searching for a reputable insurance agent or broker, there are two types of agencies that you can select. Davie agents are either captive or independent (non-captive). Either one can insure your vehicles, but it’s worth mentioning how they differ because it can impact the selection process.
Independent Agents (or Brokers)
Independent agents do not work for one specific company but instead can place your coverage amongst many companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent.
When shopping rates, we recommend you include several independent insurance agents to ensure the widest selection of prices.
Shown below are Davie independent insurance agencies who can help you get rate quotes.
Donald Sullivan Insurance – 4643 S University Dr – Davie, FL 33328 – (954) 434-8003
Unlimited Insurance – 2109 Nova Village Dr – Davie, FL 33317 – (954) 797-9050
These agents are contracted to one company and examples are Farmers Insurance, American Family, State Farm and Allstate. Captives cannot give you multiple price quotes so keep that in mind. They are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
Below are captive insurance agencies in Davie who can help you get price quotes.
Allstate Insurance – 10200 W State Road 84 # 225 – Davie, FL 33324 – (954) 382-1420
State Farm Insurance – 4286 S University Dr – Davie, FL 33328 – (954) 475-9773
American Family Insurance – 5126 S State Road 7 – Davie, FL 33314 – (954) 584-9700
To view a complete directory of captive agents in Davie, visit this link.
Picking an auto insurance agent should depend on more than just the premium amount. Here are some questions to ask:
- Do they review policy coverages at every renewal?
- Do they regularly work with personal auto policies?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How much can you save by raising your physical damage deductibles?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Which members of your family are coverage by the policy?
After receiving good answers to your questions and a low price estimate, most likely you have located an insurance agency that can service your policy.
Does buying direct online save money because there is no agent?
Local insurance agents are important, but Florida drivers can also buy direct from companies online. Some specific companies who have local agents in Davie also allow consumers to buy online, so keep that in mind to possibly find a better rate.
If you’re apprehensive about not receiving proper advice when buying direct, this is a normal reaction for first-time shoppers. Car insurance companies provide phone numbers and online resources you can use to get advice on coverages. Additionally, most companies also offer the ability to chat online live with a sales rep and online research so you can feel comfortable buying online.
Does it save money buying online? Many people think so, but it’s hard to say for sure because there are a lot of things that determine your policy premium. It’s a common assumption that buying direct saves by not paying a commission. But in most cases, online and traditional media advertising are expensive and this tends to eat up any savings.
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 to set aside time to compare rates from both. You may actually get a different price from the same company depending on if you quote online or with an agent. But you can’t find out if the company’s rates are lower online or from an agent until after comparing identical coverage quotes both ways.
Compare but don’t skimp
As you restructure your insurance plan, you should never reduce coverage to reduce premium. There are many occasions where someone sacrificed uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at an affordable rate.
Consumers leave their current company for many reasons like high rates after DUI convictions, extreme rates for teen drivers, delays in responding to claim requests or even denial of a claim. Regardless of your reason for switching companies, finding a new auto insurance company is less work than it seems.
Find out more about auto insurance
Much more information about auto insurance in Florida can be found on the website for the Florida Office of Insurance Regulation. Click here for link. Consumers can learn about insurance regulations, find disaster information, and view a list of available companies.