Learn to Find the Cheapest Car Insurance Rates From Agents in Victorville, CA

When searching for a licensed insurance agent in Victorville, we recommend you start your research on the web rather than looking in the yellowpages. We’re assuming you’re not only searching for a competent insurance agent, but also the lowest possible price.

With companies like State Farm, Allstate, Farmers and independent agents having local Victorville offices, it’s hard to tell which car insurance agent will provide the best rates, service and coverage. Fortunately, consumers can get online price quotes in order to build a list of insurance agencies from which to choose.

Buying car insurance locally

Licensed agents are trained to spot inefficiencies and help submit paperwork. The best thing about comparing insurance prices online is you may find the best rates and still have an agent to talk to. Supporting local insurance agencies is especially important in Victorville.

To find an agent, once you fill out this form (opens in new window), your insurance data is emailed to insurance agents in Victorville who will give you bids for your coverage. You never need to leave your computer as quotes are delivered immediately to your email address. It doesn’t get any easier! You’ll get the best rates AND an agent nearby.

How to choose the best car insurance agent in Victorville

When finding a good insurance agency, there are two types of insurance agents to choose from. Agents are categorized either captive or independent.

Independent Agents

Independent insurance agents are not employed by any specific company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency. When comparison shopping, it’s a good idea to get quotes from several independent insurance agents for maximum quote selection.

Listed below are independent insurance agencies in Victorville who can help you get price quote information.

Source Insurance – 12600 Hesperia Rd – Victorville, CA 92395 – (760) 843-7522
Absolute Insurance Svc – 15065 Palmdale Rd # C – Victorville, CA 92392 – (760) 241-7273
Brenda S Blaylock Agency – 15490 Civic Dr – Victorville, CA 92392 – (760) 955-5502

Captive Insurance Agents

These agents are contracted to one company and some examples include AAA, State Farm, Farmers Insurance and Allstate. Captives cannot give you multiple price quotes so keep that in mind. They are well schooled on their products and sales techniques which helps them compete with independent agents.

Shown below is a list of captive agencies in Victorville who can help you get price quotes.

Farmers Insurance Group – 13911 Park Ave # 105a – Victorville, CA 92392 – (760) 245-3000
State Farm Insurance – 16956 Bear Valley Rd – Victorville, CA 92395 – (760) 245-9002
Allstate Insurance – 12555 Mariposa Rd # D – Victorville, CA 92395 – (760) 241-0777

For a complete listing of car insurance agents in Victorville, view this link.

Deciding on an insurance agency requires more thought than just the bottom line cost. Ask your prospective agent these questions:

  • How much will you save each year by using a higher deductible?
  • Do the companies they represent have a solid financial rating?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Who are their largest clients?
  • How long has their agency been in business in Victorville?

Once you have received answers to your satisfaction to your questions and an affordable coverage quote, it’s possible that you found an auto insurance agent that will insure your vehicles.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different so this has to be addressed. For example, these questions might point out if your insurance needs could use an agent’s help.

  • What vehicles should carry emergency assistance coverage?
  • How much liability coverage do I need in California?
  • Do I need rental car coverage?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is the difference between comprehensive and collision coverage?
  • Is my vehicle covered for flood damage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent.

Buying car insurance direct is an option

Licensed agents are important to many people, but you also have the option of buying California car insurance direct from companies that only sell online. Even companies like State Farm and Allstate who employ agents also allow consumers to get a quote and buy online, and online price comparisons are easy if you prefer not to work with an agent.

If you’re worried about not getting advice from an agent when buying online, that shouldn’t be an issue. Online companies all have toll-free customer service you can use to get advice on coverages. Many online companies also provide help pages and frequently asked questions you can access prior to buying.

Will buying online save you money? It’s difficult to provide an answer since there are so many components which can raise or lower premium rates. It’s often assumed that buying directly from the company cuts out the agent as a middleman. But truthfully, marketing their products costs a lot of money so this can offset any savings.

More effort can pay off

Cheaper car insurance is possible from both online companies and with local Victorville insurance agents, and you should be comparing both so you have a total pricing picture. Some car insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

As you go through the steps to switch your coverage, don’t be tempted to skimp on coverage in order to save money. In many instances, an insured cut comprehensive coverage or liability limits only to regret that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

More information is located on the website for the California Department of Insurance. Click here for link. California drivers can find out which companies have the most complaints, read enforcement actions against agents and companies, file complaints about an insurance agent or broker, and read industry bulletins.