How to Get the Best Auto Insurance Agent in Suffolk

When finding a good Suffolk agent, you can always begin your search on the internet to save time. For this article’s sake, it’s assumed that not only do you want a friendly agent, but you also want to find great rates as well.

With State Farm, Allstate, Farmers and independent agents all competing for your business, it’s hard to tell which insurance agency will have the best rates, service and coverage. To begin, you can use online quoting to assemble a group of agents from which to choose.

Car Insurance from Suffolk insurance agents

Licensed agents are trained to spot inefficiencies and help file insurance claims. The best thing about price shopping on the web is the fact that you can find the lowest rates but also keep your business local. And supporting local agencies is especially important in Suffolk.

Once you complete this simple form, the coverage information is submitted to local insurance agents who will give you bids to get your business. There is no reason to drive around as quotes are delivered straight to your inbox. How cool is that?! Get lower rates AND an agent nearby.

The type of auto insurance agent you choose is important

When searching for a good Suffolk insurance agent, there are a couple of different types of agents from which to choose. Agencies in Suffolk are categorized either captive or independent.

Independent Agents (or Brokers)

These agents are not required to write business for one company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies. When searching for an agent, you should always include at least one independent agent to ensure the widest selection of prices. They also have the ability to place coverage with smaller regional carriers which can save you money.

Listed below are independent insurance agents in Suffolk that can give you price quotes.

  • First Service Insurance Inc – 2973 Bridge Rd – Suffolk, VA 23435 – (757) 483-4100
  • Powell and Assoc Insurance – 707 Gittings St – Suffolk, VA 23434 – (757) 925-4246
  • March Agency – 908 W Washington St # 100 – Suffolk, VA 23434 – (757) 934-0755
  • Drummond Agency – 3215 Bridge Rd # 3b – Suffolk, VA 23435 – (757) 686-1775
Captive Insurance Agents

Captive insurance agents can only place business with one company and examples are Liberty Mutual, State Farm, Allstate and AAA. These agents are not able to compare other company’s rates so always compare other rates. Captive agencies receive extensive training on the products they sell which helps them sell insurance even at higher premiums. Consumers sometimes buy from captive agents mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.

The following is a list of captive insurance agencies in Suffolk that are able to give comparison quotes.

  • Allstate Insurance – 2401 Godwin Blvd – Suffolk, VA 23434 – (757) 934-0174
  • State Farm Insurance – 816 W Constance Rd – Suffolk, VA 23434 – (757) 539-2534
  • Farm Bureau Insurance – 607 W Washington St – Suffolk, VA 23434 – (757) 934-2321

To view a full list of auto insurance agents in Suffolk, visit this link.

Picking an insurance agency should depend on more than just the price. Some important questions to ask are:

  • How many years of experience in personal lines insurance coverages do they have?
  • Who are their largest clients?
  • How long has their agency been open in Suffolk?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Do they carry Errors and Omissions coverage?

Once you have positive responses to all your questions and a low price estimate, chances are good that you have found an insurance agency that can provide auto insurance coverage.

Consider all the options when buying car insurance

Professional insurance agents are perfect for certain consumers, but you can also buy Virginia car insurance direct from companies online. Some companies like State Farm and Allstate who sell through agents in Suffolk also permit you to get a quote and buy online, and that is helpful if you are the do-it-yourself type.

If you’re uneasy about choosing your own coverages when buying direct, this is normal but is quickly overcome. Auto insurance companies that require consumers to choose their own coverages provide toll-free numbers to help you decide which coverages are appropriate.

Can you find lower rates online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say due to the large number of individual components which can raise or lower premium rates. Many people think that buying direct saves by not paying a commission. For most online online companies, however, marketing expenses are significant and those expenses can offset most of the savings by selling direct.

What is YOUR best insurance company?

Discount auto insurance is definitely available on the web as well as from independent agents in Suffolk, so you should compare both to have the best selection. Some companies don’t offer online price quotes and these smaller companies work with independent agents.

People leave their current company for a number of reasons such as policy non-renewal, being labeled a high risk driver, high prices or even delays in paying claims. Whatever your reason, choosing a new insurance company can be easy and end up saving you some money.

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Additional Virginia consumer information

Additional information is available on the Virginia Bureau of Insurance website. Click here for link. Visitors are able to find a variety of consumer forms, report car insurance fraud, and find disaster information.

The following information may also be useful.