Finding good auto insurance in Apex can be challenging since selecting the best Apex insurance agent for your needs is harder than just calling the closest agent. The chances are good you’re not only searching for a highly trained agent, but also great rates as well.
With companies like State Farm, Allstate, Farmers and independent agents all competing for your business, it’s hard to tell which provider will provide you with the cheapest rates and the best coverage. Thankfully, you can use insurance quotes online to assemble a group of agents and thier coverage prices.
Compare online but buy from a local Apex agent
Insurance agents are trained to spot inefficiencies and give you peace of mind. The biggest benefit of price shopping on the web is that you can obtain the best rates but still work with a licensed agent. And supporting local insurance agencies is definitely important in Apex.
Upon completion of this short form, your insurance data is immediately sent to local insurance agents who will battle for your insurance coverage. You won’t need to leave your house due to the fact that quote results will go to your email. How cool is that?!
Choose the right auto insurance agent
If you’re trying to find an insurance agent, you need to know there are two types of agencies that differ in how they can insure your vehicles. Agents can either be captive or independent (non-captive). Either one can write coverage properly, but it’s worth learning the differences because it can impact the selection process.
Independent Insurance Agents
Independent agencies are not required to write business for one company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and that require little work on your part.
When comparing rates, you should always include price quotes from several independent insurance agents for the best price selection.
Shown below are Apex independent agents willing to provide competitive price quotes.
Woomer Protective Insurance – 105 N Salem St – Apex, NC 27502 – (919) 362-8131
John Moore Agency – 800 W Williams St – Apex, NC 27502 – (919) 290-2886
Bell Agency – 1071 Pemberton Hill Rd # 101 – Apex, NC 27502 – (919) 880-3956
Protective Insurance Co – 105 N Salem St – Apex, NC 27502 – (919) 362-8518
Captive agents have only one company to place business with such as Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to provide prices from multiple companies so they have no alternatives for high prices. Captives are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents.
Listed below is a short list of captive insurance agents in Apex that are able to give comparison quotes.
Allstate Insurance Co – 1031 Pemberton Hill Rd # 203 – Apex, NC 27502 – (919) 363-5393
To view a full list of auto insurance agents in Apex, please view this page.
Picking an auto insurance agent needs to be determined by more than just a low price. Agents should be asked these questions:
- Do they review policy coverages at every renewal?
- What insurance company do they write the most business with?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they have any clout with companies to ensure a fair claim settlement?
- Does the agency provide any after hours assistance?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How much can you save by raising your physical damage deductibles?
Once you have acceptable answers for all questions you ask and a good coverage price, you have narrowed it down to an insurance agent that meets your needs to provide auto insurance coverage.
Have you considered online alternatives?
Insurance agents serve a purpose, but you also have the option of buying direct from companies online. Even companies who have local Apex agents additionally provide the ability to get quotes and purchase online, and consumers should do that if you’re trying to lower your rates.
If you’re uncomfortable with not having professional advice when shopping online, this is normal but is quickly overcome. All companies provide phone numbers and online resources that you can contact for information. Many online companies also provide online education and live help anytime that you can use if you have questions.
Can you find lower rates online? That question is hard to answer since there are so many factors that determine your policy premium. It’s a common assumption that shopping direct cuts out the agent as a middleman. For most online online companies, however, promoting brand recognition is pricey and that can cost more than having to pay agents.
Affordable insurance is out there
As you prepare to switch companies, you should never reduce coverage to reduce premium. There have been many situations where an accident victim reduced physical damage coverage and found out when filing a claim that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at the best price.
Cheap auto insurance is possible from both online companies and also from your neighborhood Apex agents, so compare prices from both so you have a total pricing picture. Some companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.
Additional North Carolina car insurance resources
Much more information about auto insurance in North Carolina can be read on the website for the North Carolina Department of Insurance found here. North Carolina consumers can download brochures, discover disciplinary actions, and learn about insurance regulations.