How to Get the Right Car Insurance Provider in Downey, CA

Comparing car insurance companies in Downey, CA can be challenging because there are a lot of options and selecting the best Downey car insurance agent for your needs takes more work than just making a phone call. Consumers require a professional agent, but also need decent rates too.

Numerous auto insurance agents battle for your business, and because of this it can be hard to compare auto insurance agents to find the absolute best rate

Quote online but work with a neighborhood agent

Agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of price shopping on the web is you can get the lowest rates but also keep your business local.

After filling out this simple form, your insurance coverage information is transmitted to insurance agents in Downey who will compete for your insurance coverage. You never need to leave your house since price quotes are sent directly to your email. How’s that for easy!

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

  • Does the agency provide any after hours assistance?
  • Does the agency support the community they serve?
  • Who is covered by the car insurance policy?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Are they properly licensed to sell insurance in California?
  • Can they provide you with a list of referrals?

The following are Downey auto insurance agents that are able to give price quote information.

State Farm Insurance – 9146 Telegraph Rd, Downey, CA 90240 – (562) 923-2391
Silvia Hernandez Agency – 12000 Paramount Blvd, Downey, CA 90242 – (562) 622-2777
Smart Choice Insurance Svc – 7390 Firestone Blvd, Downey, CA 90241 – (562) 287-0127
Allstate Insurance – 9800 Paramount Blvd, Downey, CA 90240 – (562) 928-5751
Estrada Insurance – 8520 Paramount Blvd, Downey, CA 90240 – (562) 776-5333
Farmers Insurance Group – 8416 Florence Ave, Downey, CA 90240 – (562) 250-0125

After receiving answers to your satisfaction to any questions you have and an affordable coverage quote, you have narrowed it down to an auto insurance agent that can service your policy.

Different people need different coverages

When buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether you may require specific advice.

  • How do I file an SR-22 for a DUI in California?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When would I need rental car insurance?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Is rental equipment covered for theft or damage?
  • How high should my uninsured/underinsured coverage be in California?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent.

But what about GEICO and Esurance?

Insurance agencies serve a purpose, but you can also find affordable California auto insurance from companies direct over the internet. Certain companies, such as Farmers Insurance and State Farm, who sell through agents in Downey also give you the option to quote and buy online, so that should be considered.

If you’re uneasy about not having an insurance agent’s advice, this is a normal reaction for first-time shoppers. Online car insurance companies that allow you to purchase coverage provide toll-free numbers for customer questions.

Will buying online save you money? A lot of shoppers won’t buy anywhere else, but it’s impossible to say due to the fact that there are multiple individual factors that determine your policy premium. It’s a logical assumption that purchasing direct online cuts out the middleman. But that assumption is generally incorrect because advertising budgets are huge so there may not be significant savings.

One last thing about your coverage

Budget-conscious car insurance can be purchased from both online companies in addition to many Downey insurance agents, and you should be comparing both to get a complete price analysis. A few companies do not provide the ability to get a quote online and these regional insurance providers work with independent agents.

When shopping online for car insurance, do not buy less coverage just to save a little money. There are many occasions where someone dropped liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

Find Downey California insurance agent

Additional detailed information is available at the California Department of Insurance website. California drivers can learn about specific coverages, read consumer alerts, view agent and company licensing information, and view a list of available companies.

Other useful links include this link for California car insurance quotes and this page of insurance agents in Downey.