Comparing car insurance companies in Daytona Beach, Florida can be challenging because finding the best Florida car insurance agent is more difficult than just randomly choosing from the yellow pages. Chances are good you’re looking for a great agent that can assess your needs, but you also want to find the best rates possible.
With insurance companies like American Family, Allstate, State Farm and independent agents all competing for your business, it can be hard to know which will provide you with the cheapest rates and the best coverage. Thankfully, consumers can use insurance quotes online to get a list of agents to choose from.
Comparing prices from Daytona Beach agents
Good agents can point out coverage gaps and give you someone to call. One of the best bonuses of comparing insurance prices online is the fact that you can find the best rates and still choose a local agent. Supporting local insurance agencies is important particularly in Daytona Beach.
By using this simple form, your insurance data is emailed to agents in your area who will give you bids for your business. You never need to drive around as quotes are delivered to your email. It doesn’t get any easier!
Best car insurance agent in Daytona Beach
When researching a reliable agent, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Daytona Beach agents are either independent or captive. Either one can do a good job, but it’s worth learning the difference between them since it can impact your agent selection.
Independent Insurance Agents
Independent agents do not work for one specific company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and that require little work on your part. When searching for an agent, it’s recommended you get quotes from several independent insurance agents for maximum quote selection.
Listed below are Daytona Beach independent insurance agents that can give you price quote information.
All Star Insurance – 879 Mason Ave – Daytona Beach, FL 32117 – (386) 445-1154
A Auto Insurance World – 566 International Speedway Bl – Daytona Beach, FL 32114 – (386) 258-7283
Captive Insurance Agents
Captive insurance agents have only one company to place business with like Allstate, AAA, Liberty Mutual and State Farm. They usually cannot give you multiple price quotes so it’s a take it or leave it situation. These agents are trained well on their company’s products and that can be a competitive advantage.
Listed below are captive agents in Daytona Beach willing to provide price quote information.
Allstate Insurance – 444 Seabreeze Blvd – Daytona Beach, FL 32118 – (386) 238-0556
State Farm Insurance – 1651 N Clyde Morris Blvd # 1 – Daytona Beach, FL 32117 – (386) 274-1411
To view a full list of Daytona Beach captive agencies, please go to this site.
Selecting an insurance agent requires more thought than just the price. Any agent should have no problem answering these questions:
- Are they able to influence company decisions when a claim is filed?
- What insurance company do they write the most business with?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they assist clients in filing claims?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
After getting satisfactory answers for all questions you ask as well as a affordable price, you may have just found a car insurance agent that is a good match to insure your vehicles.
Does buying direct online save money because there is no agent?
Auto insurance agents are important to many people, but you can also find affordable Florida auto insurance direct from companies online. Even companies who employ agents also allow you to buy direct online, and that can save time and can also potentially find you lower rates.
If you’re concerned about not having professional advice when buying direct, that shouldn’t be an issue. Companies have customer service departments you can use to get advice on coverages.
Can buying online lower your premiums? Whether or not you’ll save is impossible to say since there are so many factors that determine the price you pay. It’s a common assumption that buying online saves the cost of an agent commission. But the fact is, online and traditional media advertising are expensive and that can quickly cost more than paying an agent.
What is YOUR best insurance company?
Cheaper car insurance can be bought on the web as well as from independent agents in Daytona Beach, so you should compare both in order to have the best chance of saving money. Some insurance companies don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.
When you buy insurance online, it’s a bad idea to reduce coverage to reduce premium. In too many instances, an insured cut full coverage and learned later that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at the best price while not skimping on critical coverages.
Additional information is located on the website for the Florida Office of Insurance Regulation through this link. Florida drivers can find out which companies have the most complaints, read enforcement actions against agents and companies, and read industry bulletins.
Also read more on this resource for Florida car insurance prices and this link where you can make Daytona Beach car insurance comparisons.