When buying car insurance in Garner, you have many choices and picking a good North Carolina auto insurance agent is harder than just picking up the phone. For the sake of this article, we’ll assume you not only want a competent insurance agent, but also the lowest possible price.
With companies like American Family, Allstate, State Farm and independent agents having local Garner offices, it can be hard to know which one will provide you with the best service and rates. Fortunately, it’s easy to use insurance quotes online to get a list of insurance agencies and price estimates.
How to find Garner insurance agents online
Educated insurance agents can answer important questions and give you someone to call. The best thing about comparing insurance prices online is the fact that you can find the best rates but still work with a licensed agent. Buying from local agencies is important particularly in Garner.
To find an agent, once you fill out this quick form, your insurance data is immediately sent to insurance agents in Garner who will compete for your coverage. You never need to even leave your home since price quotes are sent straight to your inbox. How’s that for easy! Get lower rates AND a local agent.
Garner insurance agents come in two flavors
If you’re trying to find a reliable agent, there are two types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Garner can either be captive or independent (non-captive).
Independent Insurance Agents
Independent agents do not work for one specific company so they have the ability to put coverage with lots of companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies and you won’t have to switch agencies.
When shopping rates, we recommend you contact several independent insurance agents for the best price selection.Many can place coverage with different regional companies which may provide better rates.
The following is a list of independent agents in Garner who can help you get rate quotes.
- Richard L Price Agency – – Garner, NC 27529 – (919) 772-0202
- Triangle Insurance and Financial – 102 Donmoor Ct – Garner, NC 27529 – (919) 661-1834
- Gail I Moseley Agency – 102 Donmoor Ct – Garner, NC 27529 – (919) 661-1801
- Protective Agency Inc – 210 Forest Hills Dr – Garner, NC 27529 – (919) 662-1860
- Blinson Insurance Inc – 503 Us Highway 70 E # O – Garner, NC 27529 – (919) 772-2332
Captive agents have only one company to place business with and some examples include State Farm, AAA, Farmers Insurance or Allstate. They generally cannot compare other company’s rates so keep that in mind. They are trained well on the products they sell and that can be a competitive advantage. Some people will only purchase coverage from captives partially due to the prominence of the brand and the convenience of having a single billing for all their coverages.
Below is a short list of captive insurance agencies in Garner that can give you rate quotes.
- State Farm Insurance – 253 Timber Dr – Garner, NC 27529 – (919) 779-9277
- Allstate Insurance – 1428 Aversboro Rd # D – Garner, NC 27529 – (919) 772-2200
For a complete listing of Garner captive insurance agents, please click here.
Selecting a car insurance agent needs to be determined by more than just the price. These questions are important to ask:
- If your car is totalled, how to they determine the replacement cost?
- Are they full-time agents?
- Are there any discounts that you might be missing?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How much can you save by raising your physical damage deductibles?
After receiving satisfactory answers to these questions as well as a affordable price, you have narrowed it down to an insurance agency that can insure your vehicles.
Don’t exclude online companies
Car insurance agents are perfect for certain consumers, but you can also buy North Carolina car insurance from online companies direct. Certain companies, such as State Farm, Allstate and Farmers, who sell through agents in Garner also let you buy online, so keep that in mind if you are the do-it-yourself type.
If you’re anxious about selecting your own policy coverages when buying online, that shouldn’t be an issue. Car insurance companies provide customer service for getting questions answered. You may also access the ability to chat online live with a sales rep and online research to help you answer questions.
Are car insurance rates lower online? It’s hard to say exactly because of the number of factors that impact your rate calculation. Some people think that buying direct reduces premiums because there is no agent. But truthfully, getting their brand in front of customers is expensive and this tends to eat up any savings.
Cheaper insurance is a realistic goal
Consumers leave their current company for any number of reasons including questionable increases in premium, delays in paying claims, high rates after DUI convictions or an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching companies is pretty easy and you might even save some money in the process.
Affordable car insurance can be purchased on the web and also from your neighborhood Garner agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some car insurance companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
Additional car insurance information can be found on the North Carolina Department of Insurance website found here. North Carolina consumers can find disaster information, file complaints about a company, and learn about insurance regulations.