Hialeah Florida Insurance Agents – How to Choose Wisely

When finding a good Hialeah agent, we recommend you start your research by comparing rates online in order to save time. We’re guessing you’re not only searching for a good agent that listens to you, but you also want the best rates possible.

With companies like American Family, Allstate, State Farm and independent agents having offices in Hialeah, it’s hard to tell which provider will provide you with the lowest rates and best service. To begin, it’s easy to use insurance quotes online to build a list of agencies and thier coverage prices.

Comparing prices from Hialeah agents

Educated insurance agents can help determine the best coverages and help submit paperwork. One of the great benefits of price shopping on the web is you can get lower rates but still work with a licensed agent. And providing support for local businesses is important particularly in Hialeah.

By using this quick form, your insurance data is submitted to local insurance agents who will return price quotes for your coverage. You never need to drive around as quotes are delivered straight to your inbox. It doesn’t get any easier!

To select a specific agent in Hialeah, simply jump to this page.

Picking an auto insurance agent requires more thought than just a cheap price. These questions are important to ask:

  • If your car is in the repair shop, do you have coverage for a rental car?
  • If they are an independent agency, which companies do they recommend?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Do they feel the quoted coverages are adequate?
  • How much can you save by raising your physical damage deductibles?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Are they full-time agents?

Upon receiving reasonable responses and locked in a price quote, you may have just found an insurance agency that will provide car insurance coverage.

What about online companies that don’t have local agents?

Insurance agencies are indespensible for some people, but you also have the option of buying from companies direct over the internet. A few companies like State Farm and Allstate who have local agents in Hialeah also allow consumers to quote and buy online, so this should also be taken into consideration if the lowest rate is your goal.

If you’re uncomfortable with choosing your own coverages when buying car insurance direct, don’t let it bother you. Auto insurance companies all have toll-free customer service for getting the best coverage. They also make available live help and 24/7 access that can help answer basic questions.

Does coverage cost less online? That question is hard to answer due to the fact that there are many factors that impact your premium. Common sense would say that a customer who purchases direcly from an online company reduces premiums because there is no agent. But the fact is, getting their brand in front of customers is expensive so rates may not be all that different from traditional agents.

When trying to find the best rates, the only way to determine who has the best rates, online companies or local insurance agents, is to get free quotes from both and compare them. It’s fairly common that you receive different coverage costs from the same car insurance company when they get quotes from both.

Additional Florida car insurance resources

Additional car insurance information can be found on the website for the Florida Office of Insurance Regulation located here. Florida drivers can learn about specific coverages, find a variety of consumer forms, read consumer alerts, and read state legal mandates and laws.

And the best car insurance company is…

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, an insured cut full coverage and found out when filing a claim that the savings was not a smart move. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.

People leave their current company for many reasons like high rates after DUI convictions, denial of a claim, delays in paying claims or even an unsatisfactory settlement offer. Whatever your reason, finding a new car insurance company is not as hard as you think.