To find a good insurance agent in Huntington Beach, CA, we recommend you do an initial search by comparing rates online in order to save time. Consumers need a great agent that can assess your needs, but also the best possible price.
Big-name insurance companies like State Farm, Progressive and GEICO all claim big savings with catchy ads and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.
But I don’t know anything about car insurance
When buying adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that For instance, these questions might help in determining if your insurance needs might need professional guidance.
- Does my medical payments coverage pay my health insurance deductible?
- Am I covered when driving in Canada or Mexico?
- Can my teen driver be rated on a liability-only vehicle?
- Do I need roadside assistance coverage?
- Should I have combined single limit or split liability limits?
- Exactly who is provided coverage by my policy?
- Is business equipment covered while in my vehicle?
- Is my custom paint covered by insurance?
- What should my uninsured motorist coverage limits be in California?
- Are there companies who specialize in insuring high-risk drivers?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent.
Buying auto insurance from a local Huntington Beach agent
Insurance agents can answer important questions and give you peace of mind. One of the great benefits of price shopping on the web is the fact that you can find better rates but still work with a licensed agent.
Once you complete this simple form, the coverage information is submitted to companies in Huntington Beach who will compete for your business. There is no reason to leave your computer since price quotes are sent to your email. It doesn’t get any easier!
Picking an auto insurance agent should depend on more than just a low price. Some important questions to ask are:
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they regularly work with personal auto policies?
- Can they give you a list of client referrals?
- Are claims handled at the agent’s location?
- Is vehicle damage repaired with OEM or aftermarket parts?
What types of insurance agencies are in Huntington Beach?
When researching local Huntington Beach agents, you must know there are a couple types of insurance agents from which to choose. Huntington Beach agents are categorized either captive or independent. Either one can insure your vehicles, but it’s good to learn how they differ because it can impact the type of agent you choose
Captive Insurance Agents
Captive agents write business for a single company such as Allstate, AAA, Liberty Mutual and State Farm. They usually cannot place coverage with different providers so they are skilled at selling on more than just price. Captives are very knowledgeable on the products they sell and that can be a competitive advantage.
The following are captive agents in Huntington Beach who may provide you with price quotes.
Farmers Insurance Group – 16033 Bolsa Chica St # 102 – Huntington Beach, CA 92649 – (714) 840-0437
Allstate Insurance – 18632 Beach Blvd # 205 – Huntington Beach, CA 92648 – (714) 963-2418
Independent Agencies or Brokers
Independent insurance agents are not required to write business for one company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part.
When comparison shopping, it’s recommended you include price quotes from at least one independent agent to ensure the widest selection of prices.
Shown below are Huntington Beach independent agencies that are able to give rate quotes.
Farmers Agency Huntington – 16033 Bolsa Chica St # 102 – Huntington Beach, CA 92649 – (714) 840-0445
Donald R Nickerson Insurance – 16111 Bolsa Chica St # C – Huntington Beach, CA 92649 – (714) 846-3320
Frink-Jehnson Insurance Svc – 5200 Warner Ave # 206 – Huntington Beach, CA 92649 – (949) 646-7855
For a complete listing of licensed insurance agents in Huntington Beach, click here to link.
After receiving acceptable answers to all your questions and a low price estimate, it’s possible that you found a car insurance agent that can service your policy.
Online car insurance providers
Auto insurance agents are indespensible for some people, but California consumers also have the option to buy direct online. Some car insurance companies, such as State Farm, Allstate and Farmers, who employ agents also allow you to quote and buy online, so this should also be taken into consideration.
If you’re uneasy about not having someone to ask questions when shopping online, this is normal but is quickly overcome. Insurance companies that allow you to purchase coverage all have client service departments for customer questions.
Are online companies cheaper? Many people swear by it, but it’s difficult to answer due to the fact that there are many factors which can raise or lower premium rates. Many people think that buying directly from the company saves the cost of an agent commission. But in reality, getting their brand in front of customers is expensive and this tends to eat up any savings.
The only method to determine if the cheapest policy comes from an agent or online is to get free quotes from both and compare them. You may actually get a different price from the same insurance company from their agents and their website.
More detailed California auto insurance information is located at the California Department of Insurance website. Consumers can find disaster information, file complaints about a company, report car insurance fraud, and file complaints about an insurance agent or broker.
One last thing about your coverage
Drivers change insurance companies for a variety of reasons including questionable increases in premium, denial of a claim, high prices and even high rates after DUI convictions. Regardless of your reason, finding a great new company is easier than you think.
When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where an insured cut collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage for the lowest price while not skimping on critical coverages.