How to Get the Best Price from Temecula Car Insurance Providers

If you’re looking for a licensed insurance agent in Temecula, it’s recommended you begin your search on the internet instead of calling around. Consumers need a decent agent, and also the lowest rates for car insurance in Temecula.

Consumers have many car insurance agents to insure vehicles with, and although it’s a good thing to have multiple companies, it can be more difficult to adequately compare rates.

Temecula agents for car insurance

Professional agents can answer important questions and help you file claims. The biggest benefit of comparing insurance prices online is that you can obtain the best rates and still have an agent to talk to.

After filling out this form (opens in new window), the quote information is immediately sent to companies in Temecula who will return price quotes for your insurance coverage. There is no reason to leave your computer since price quotes are sent to your email. How’s that for easy!

Picking an insurance agency should depend on more than just a cheap price. Ask your prospective agent these questions:

  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • How much will you save each year by using a higher deductible?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Who are their largest clients?
  • If they are an independent agency, which companies do they recommend?

Insurance agent types

When looking for an insurance agent, there are a couple of types of agencies to choose from. Insurance agencies in Temecula are classified as either captive or independent. Both insure your vehicles, but it’s good to learn how they are different because it can impact the selection process.

Captive Agents

This type of agents are contracted to one company and some examples include AAA, State Farm, Farmers Insurance and Allstate. They usually cannot compare other company’s rates so it’s a take it or leave it situation. These agents are well schooled on their company’s products which helps them compete with independent agents.

Shown below is a list of captive insurance agents in Temecula who may provide you with rate quotes.

Allstate Insurance – 27423 Ynez Rd – Temecula, CA 92591 – (951) 676-0480
State Farm Insurance – 43057 Margarita Rd # C104 – Temecula, CA 92592 – (951) 694-5330
Farmers Insurance Group – 28581 Old Town Front St # 200 – Temecula, CA 92590 – (951) 693-1125

Independent Insurance Agents

Independent agents are not locked into one company so they have the ability to put coverage amongst many companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part. When searching for an agent, it’s a good idea to include at least one independent agent for the best price selection.

Shown below is a list of independent insurance agencies in Temecula willing to provide comparison quotes.

Beougher Insurance – 41934 Main St – Temecula, CA 92590 – (951) 694-1558
Chapman Agency Insurance – 31280 Vescado Dr – Temecula, CA 92592 – (951) 693-9246
Action Insurance Group – 1 Ridgegate Dr # 135 – Temecula, CA 92590 – (951) 694-1155

For a complete listing of insurance agents in Temecula, visit this link.

Upon getting acceptable answers to your questions and an acceptable price quote, you may have just found an insurance agent that meets your needs to properly insure your vehicles.

Consider all the options when buying car insurance

Car insurance agents are indespensible for some people, but you can also buy California car insurance direct from companies that only sell online. Even companies who sell through the agent channel also give you the ability to quote and buy online, and consumers should do that if finding the best price is important.

If you’re anxious about not getting proper coverage when buying online, that is quite common when buying online the first time. Online car insurance companies provide phone numbers and online resources to walk you through the process.

best Temecula insurance agency

Are online companies cheaper? The answer is complex due to the fact that there are multiple individual factors that influence the price you pay. Some people will tell you that purchasing direct online saves money by not requiring a commission. But that assumption is generally incorrect because advertising and marketing take a lot of money and those expenses can offset most of the savings by selling direct.

Final considerations

Insureds change insurance companies for a number of reasons such as questionable increases in premium, policy non-renewal, being labeled a high risk driver or even policy cancellation. Regardless of your reason for switching companies, finding a new company can be easy and end up saving you some money.

Discount car insurance is possible online and with local Temecula insurance agents, so you should be comparing quotes from both so you have a total pricing picture. A few companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

Online resources for education

Additional detailed information can be read at the California Department of Insurance website. Consumers can file complaints about an insurance agent or broker, download brochures, view agent and company licensing information, and read industry bulletins.