How-to Guide to Finding an Auto Insurance Agent in Santa Ana, CA

When searching for a licensed insurance agent in Santa Ana, you can start your research online rather than looking in the yellowpages. Consumers require a good professional insurance agent, but also need competitive car insurance rates.

There are many insurance agents to buy insurance from, and even though it’s nice to have multiple companies, it can be more difficult to find the best rates for your vehicles.

Local Santa Ana car insurance agents

Insurance agents can point out coverage gaps and help in the event of a claim. The best thing about comparing insurance prices online is that you can obtain lower rates but still work with a licensed agent.

For easy comparison, once you complete this form (opens in new window), your insurance data is submitted to local insurance agents who will return price quotes for your coverage. You never need to leave your computer as quotes are delivered to the email address you provide. How’s that for easy! You’ll get the best rates and work with a local agent.

Choosing an insurance agent should depend on more than just a cheap price. Agents should be asked these questions:

  • Which company do they place the most coverage with?
  • Are they properly licensed to sell insurance in California?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • If they are an independent agency, which companies do they recommend?
  • Who is covered by the car insurance policy?
  • Do they specialize in personal lines coverage?

Shown below are Santa Ana car insurance agents that are able to give price quotes.

Farmers Insurance Group – 2441 N Tustin Ave # E, Santa Ana, CA 92705 – (714) 550-1100
Allstate Insurance – 117 S Harbor Blvd, Santa Ana, CA 92704 – (714) 775-5423
Don Everett Insurance – 1913 E 17th St, Santa Ana, CA 92705 – (714) 542-9595
Argonaut Group Insurance – 3 Hutton Centre Dr, Santa Ana, CA 92707 – (714) 708-4720

Once you have received reasonable responses to any questions you have in addition to an acceptable price estimate, you have narrowed it down to an insurance agent that is a good match to service your policy.

Buying auto insurance direct is an option

Licensed agents can be invaluable at times, but California consumers also have the option to buy directly from online companies. Certain auto insurance companies like State Farm and Allstate who sell through the agent channel also let you buy direct on their websites, and consumers should do that and can also potentially find you lower rates.

If you’re uneasy about not having professional advice when shopping online, that shouldn’t be an issue. Auto insurance companies that allow you to purchase coverage have toll-free phone numbers and other options to help you decide which coverages are appropriate.

Is online auto insurance cheaper? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there are many things that determine your policy premium. It would make sense to think that a shopper who purchases direct saves money by not requiring a commission. For most online online companies, however, marketing their products costs a lot of money and that can quickly cost more than paying an agent.

More California car insurance information

Additional detailed information is available at the California Department of Insurance website. Visitors are able to download brochures, learn about specific coverages, find disaster information, and file complaints about an insurance agent or broker.

Santa Ana California agents

More quotes mean more savings

As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. In many instances, an insured cut liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

The cheapest car insurance can be bought both online as well as from independent agents in Santa Ana, and you need to comparison shop both to get a complete price analysis. Some car insurance companies don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.