When searching for a licensed insurance agent in Raleigh, you can begin your search by comparing prices online rather than picking up the phone. Consumers need an excellent agent, and also want to find the lowest rates for auto insurance in Raleigh.
You have multiple insurance agents to pick from, and though it is a good thing to have a choice, it can be more difficult to adequately compare rates.
Save time by quoting online
Educated insurance agents can answer important questions and give you someone to call. One of the best bonuses of getting online price quotes is you can get better rates but still work with a licensed agent.
For easy comparison, once you complete this form (opens in new window), the coverage information is transmitted to agents in your area who will battle for your insurance coverage. You don’t have to visit any agencies since price quotes are sent straight to your inbox. It doesn’t get any easier!
Selecting an insurance agency needs to be determined by more than just the price. These questions are important to ask:
- Is working in the agency their full-time job?
- Who are their largest clients?
- Are claims handled at the agent’s location?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do the companies they represent have a solid financial rating?
Raleigh car insurance agents come in two flavors
When looking for a good Raleigh insurance agent, there are two types of insurance agents that differ in how they can insure your vehicles. Raleigh agents are either captive or independent. Both types can write coverage properly, but it’s worth mentioning how they are different since it may influence your agent selection.
Captive agents have only one company to place business with and examples are Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are unable to shop your coverage around so they have no alternatives for high prices. Captives receive extensive training on their company’s products which can be an advantage.
Below is a list of captive insurance agents in Raleigh who may provide you with comparison quotes.
Farmers Insurance Group – 5925 Big Nance Dr – Raleigh, NC 27616 – (919) 713-0340
North Carolina Farm Bureau – 5301 Glenwood Ave – Raleigh, NC 27612 – (919) 782-1705
Allstate Insurance Co – 6330 Falls Of Neuse Rd # 101 – Raleigh, NC 27615 – (919) 850-9970
State Farm Insurance – 7850 Alexander Promenade Pl – Raleigh, NC 27617 – (919) 870-9876
Liberty Mutual Insurance – 3120 Highwoods Blvd # 310 – Raleigh, NC 27604 – (919) 872-4700
Independent Agents (or Brokers)
These agents are not locked into one company so they can insure your vehicles with any number of different companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally without you having to go to a different agency. When comparing rates, you should always contact at least one independent agent to get the best comparison.
Listed below are Raleigh independent insurance agencies that are able to give comparison quotes.
John Moore Agency – 4237 Louisburg Rd # 104 – Raleigh, NC 27604 – (919) 872-0130
Gene Pleasants Agency Ins – 3820 Merton Dr # 100 – Raleigh, NC 27609 – (919) 834-7937
Buchan Agency – 3820 Merton Dr # 112 – Raleigh, NC 27609 – (919) 782-8289
Highlands Insurance Co – – Raleigh, NC 27614 – (919) 562-0982
Blackmon Insurance – 3416 Poole Rd # 110 – Raleigh, NC 27610 – (919) 231-8131
For a full directory of Raleigh insurance agents, please view this page.
Once you have received positive responses to any questions you have and an acceptable price quote, you may have just found an insurance agent that will properly service your auto insurance policy.
Include online companies when price shopping
Insurance agents are important, but North Carolina car insurance can also be bought directly from online companies. Some companies, such as Farmers Insurance and State Farm, who sell through agents in Raleigh also give you the ability to quote and buy online, so keep that in mind.
If you’re apprehensive about whether or not you’ll have guidance when buying online, this is normal but is quickly overcome. All companies that require consumers to choose their own coverages have customer service departments to walk you through the process.
Do customers save by switching to an online company? Many people swear by it, but it’s difficult to answer due to the large number of individual components that influence the price you pay. It would make sense to think that buying online reduces premiums because there is no agent. But truthfully, marketing expenses are significant and that can quickly cost more than paying an agent.
If you’re not set on any one company, the best way to find out if car insurance prices are lower online or from agents is comparing rate quotes from both. It’s even possible to receive different pricing for the identical company when they compare quotes from both.
Find out more about auto insurance
More detailed North Carolina auto insurance information can be found at the North Carolina Department of Insurance website. Consumers can read industry bulletins, read enforcement actions against agents and companies, and learn about specific coverages.
Smart consumers save more
Drivers change insurance companies for a variety of reasons including delays in paying claims, an unsatisfactory settlement offer, extreme rates for teen drivers or even lack of trust in their agent. No matter why you want to switch, switching companies is not as hard as you think.
As you go through the steps to switch your coverage, do not reduce needed coverages to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.