To locate a licensed insurance agent in Herndon, we recommend you do the preliminary legwork online in order to save time. Consumers need a competent insurance agent, but also the cheapest rates you can possibly find.
Companies like Allstate and Progressive promote their brand names with ads and it is difficult to see past the geckos and flying pigs and take the time to shop coverage around.
Herndon agents for car insurance
Educated insurance agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of comparing insurance prices online is you may find the lowest rates but also keep your business local.
To make it easy to find an agent, after completing this quick form, your insurance coverage information is instantly submitted to agents in your area who will return price quotes for your coverage. You won’t need to leave your computer since price quotes are sent to your email. How cool is that?!
Selecting an auto insurance agent requires more thought than just a cheap price. Agents should be asked these questions:
- Do they make recommendations based only on price?
- Do they feel the quoted coverages are adequate?
- How long has their agency been open in Herndon?
- What are the financial ratings for the companies they represent?
- If they are an independent agency, which companies do they recommend?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
Two types of car insurance agents
When searching for a good Herndon insurance agent, you need to know there are two different types of agents from which to choose. Herndon agents are categorized either captive or independent. Both types can write coverage properly, but it’s worth mentioning the difference between them because it can influence your selection of an agent.
Captive Insurance Agents
These agents work for only one company such as American Family, State Farm and Allstate. They are unable to place coverage with different providers so they are skilled at selling on more than just price. Captives are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
The following are captive agents in Herndon that can give you rate quotes.
Allstate Insurance – 13089 Worldgate Dr – Herndon, VA 20170 – (703) 478-0771
Liberty Mutual Insurance – 131 Elden St # 100 – Herndon, VA 20170 – (703) 742-8485
State Farm Insurance – 1020 Elden St # 201 – Herndon, VA 20170 – (703) 481-4988
Independent insurance agents are not employed by any specific company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies.
When shopping rates, it’s recommended you get quotes from multiple independent agents to have the most options to choose from.
Shown below are Herndon independent agencies that are able to give price quotes.
Nationwide Insurance – 610 Herndon Pkwy # 750 – Herndon, VA 20170 – (703) 437-4555
Pugh Insurance Inc – 203 Elden St – Herndon, VA 20170 – (703) 435-4322
To view a full list of Herndon insurance agents, simply jump to this page.
Upon receiving reasonable responses to any questions you have in addition to an acceptable price estimate, it’s possible that you found a car insurance agent that is a good match to insure your vehicles.
But what about GEICO, Esurance and Progressive?
Licensed agents are perfect for certain consumers, but Virginia drivers can also buy direct over the internet. Even companies, such as State Farm, Allstate and Farmers, that are more known for using agents, also give you the option to buy direct on their websites, so that should be considered if you prefer not to work with an agent.
If you’re concerned about choosing your own coverages, that shouldn’t be an issue. Insurance companies that allow you to purchase coverage all have client service departments that you can contact for information. In addition, they usually offer help pages and frequently asked questions to clarify any questions you may have.
Are online companies cheaper? Many people think so, but it’s hard to say for sure due to the fact that there are multiple individual factors that are calculated into your premium. Some people will tell you that shopping online for auto insurance saves by not paying a commission. In many cases, getting their brand in front of customers is expensive and that can quickly cost more than paying an agent.
Additional resources for Virginia consumers
More tips and info about car insurance is available at the Virginia Bureau of Insurance website. Virginia consumers can download brochures, read state legal mandates and laws, file complaints about an insurance agent or broker, and discover disciplinary actions.
More effort can pay off
Affordable car insurance can be sourced on the web in addition to many Herndon insurance agents, and you should compare price quotes from both to have the best selection. Some companies do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.
Insureds switch companies for a number of reasons such as high prices, poor customer service, denial of a claim or even questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company can be easier than you think.