How to Find the Perfect Insurance Agency in Modesto California

If you’re trying to find a good insurance agent in Modesto, CA, we recommend you start your research online instead of making phone calls. You require a friendly agent, but also need cheaper auto insurance prices.

Having so many companies and agents to choose from, it’s difficult to locate the most affordable car insurance company.

Local Modesto agents and auto insurance

Insurance agents are trained to spot inefficiencies and help you file claims. The biggest benefit of comparing insurance prices online is that you can obtain lower rates and still choose a local agent.

After completing this short form, your information is submitted to insurance agents in Modesto who will return price quotes to get your business. You never need to drive around because quoted prices will be sent to the email address you provide. Now that’s easy!

Deciding on an auto insurance agent needs to be determined by more than just a low price. Any agent should be forthright in answering these questions:

  • Will your rates increase after a single accident?
  • Are there any discounts that you might be missing?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • How long has their agency been open in Modesto?
  • Do they specialize in personal lines coverage?
  • How many years of experience in personal lines insurance coverages do they have?
  • Do the coverages you’re quoting properly cover your vehicle?

Captive agents vs. Independent agents

When searching for a reliable agent, there are two types of insurance agents from which to choose. Agents are classified as either independent or captive. Both insure your vehicles, but it’s important to know the differences since it can impact your selection of an agent.

Captive Insurance Agents

These agents are contracted to one company like Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to compare other company’s rates so they are skilled at selling on more than just price. Captive agents are very knowledgeable in insurance sales and that can be a competitive advantage. Some consumers prefer to purchase coverage from captives partially due to loyalty to the company and solid financial strength.

Below is a list of captive insurance agencies in Modesto willing to provide comparison quotes.

  • State Farm Insurance – 1221 E Orangeburg Ave – Modesto, CA 95350 – (209) 521-9903
  • Allstate Insurance – 950 Oakdale Rd # G – Modesto, CA 95355 – (209) 576-0941
  • Farmers Insurance Group – 3604 Oakdale Rd # A – Modesto, CA 95357 – (209) 551-4750
Independent Agents (or Brokers)

Independent agencies are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part.

When comparing rates, it’s recommended you contact at least one independent agent for the best price selection.Most can insure with smaller regional carriers which can be an advantage.

Shown below are independent insurance agents in Modesto who can help you get comparison quotes.

  • Thomas Gingerich Insurance – 817 Coffee Rd # C2 – Modesto, CA 95355 – (209) 524-1800
  • Abigail Insurance Svc – 1500 J St – Modesto, CA 95354 – (209) 576-0078

For a full directory of insurance agents in Modesto, simply jump to this page.

Once you have satisfactory answers in addition to an acceptable price estimate, you’ve probably found an insurance agency that meets your needs to insure your vehicles.

Alternatives to buying from an agent

Insurance agents can be invaluable at times, but you can also find affordable California auto insurance direct from companies that only sell online. Certain companies, such as State Farm, Allstate and Farmers, who have local Modesto agents also permit you to quote and buy online, so keep that in mind if the lowest rate is your goal.

If you’re uneasy about not getting proper coverage when buying online, that should not be a issue. All companies that allow you to purchase coverage provide toll-free numbers for getting questions answered. They also have 24/7 live help and a car insurance FAQ section to clarify any questions you may have.

Is it cheaper to buy online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there are so many factors that impact your rate calculation. It’s a logical assumption that a customer who purchases direcly from an online company cuts out the middleman. In many cases, it’s expensive to advertise and those expenses can offset most of the savings by selling direct.

To learn even more about auto insurance

Additional detailed information is located at the California Department of Insurance website. California consumers can discover disciplinary actions, find out industry alerts, find out which companies have the most complaints, and view a list of available companies.

Compare but don’t skimp

Low-cost auto insurance can be purchased from both online companies in addition to many Modesto insurance agents, so you should compare both to have the best selection. Some companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

Locate Modesto CA insurance agents

As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where an insured dropped uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your goal should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.