Learn to Get Cheaper Car Insurance Pricing From Insurance Agents in Ontario, CA

To locate a good Ontario agent, you can always start your research on the internet instead of calling around. You need a professional agent, and also the lowest rates for car insurance in Ontario.

Multiple insurance agents compete to insure your vehicles, so it’s not easy to compare every insurance agency and uncover the absolute best rates possible.

But I don’t know anything about car insurance

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions could help you determine whether your personal situation may require specific advice.

  • What if I don’t agree with a claim settlement offer?
  • Is my cargo covered for damage or theft?
  • Does my vehicle qualify for pleasure use?
  • How can I get high-risk coverage after a DUI?
  • What can I do if my company denied a claim?
  • Why am I required to buy high-risk coverage?
  • What discounts do I qualify for?
  • Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent.

Buying car insurance from a local Ontario agent

Agents can answer important questions and help file insurance claims. One of the best bonuses of getting online price quotes is you can get better rates but also keep your business local.

To help locate an agent, after submitting this form (opens in new window), the coverage information is sent to agents in your area who will give you bids for your coverage. You don’t have to leave your house due to the fact that quote results will go to the email address you provide. How cool is that?!

Deciding on an insurance agency requires more thought than just the premium amount. These questions are important to ask:

  • What insurance companies do they work with?
  • Do they specialize in personal lines coverage?
  • What insurance companies do they recommend if they are an independent agent?
  • How are they compensated?
  • Does the agency have a good rating with the Better Business Bureau?

Two different types of insurance agents

If you’re trying to find an insurance agent, you must know there are a couple different agency structures from which to choose. Agencies in Ontario are classified as either captive or independent. Both write coverage properly, but it’s good to learn how they are different because it can influence the type of agent you choose

Captive Insurance Agents

This type of agents work for only one company such as Allstate, Farmers Insurance or State Farm. These agents are not able to provide prices from multiple companies so always compare other rates. Captive agencies are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage. Consumers often buy insurance from these agents mostly because of high brand loyalty and strong financial ratings.

Shown below are Ontario captive insurance agents that are able to give price quotes.

  • State Farm Insurance – 320 N Euclid Ave – Ontario, CA 91762 – (909) 986-3218
  • Liberty Mutual Insurance – 3633 Inland Empire Blvd # 500 – Ontario, CA 91764 – (909) 948-9774
  • Allstate Insurance – 741 E Holt Blvd – Ontario, CA 91761 – (909) 984-8528
  • Farmers Insurance Group – 2151 E Convention Center Way – Ontario, CA 91764 – (909) 390-5040
Independent Insurance Agents

Independent insurance agents are not required to write business for one company so they have the ability to put coverage with many different companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency. When comparison shopping, it’s recommended you contact multiple independent agents to get the best comparison.Many can place coverage with smaller regional carriers who may have lower rates.

Below are Ontario independent agents that can give you comparison quotes.

  • Carrillo Agency – 434 N Lemon St – Ontario, CA 91764 – (909) 986-2757
  • Pacific Truck Insurance Brkrs – 302 S Milliken Ave – Ontario, CA 91761 – (909) 605-7490
  • Cal-Way Insurance – 2515 S Euclid Ave – Ontario, CA 91762 – (909) 456-3808

To view a complete directory of Ontario insurance agents, visit this site.

Once you have answers to your satisfaction to any questions you have and an acceptable price quote, you may have just found an insurance agent that can properly insure your vehicles.

Isn’t it cheaper to buy direct online?

Professional insurance agents are a valuable resource, but you can also find affordable California auto insurance from online companies direct. Some specific companies, such as State Farm, Allstate and Farmers, who have local agents in Ontario additionally provide the ability to quote and buy online, and online price comparisons are easy to possibly find a better rate.

If you’re worried about selecting your own policy coverages when buying car insurance direct, don’t let it bother you. Online insurance companies provide access to licensed agents that you can contact for information. You can also use online help and live chat so you can feel comfortable buying online.

Does car insurance cost less online? The answer is complex because of the fact that insurance companies use many factors that can increase policy rates. You may think that a customer who purchases direcly from an online company saves the commission normally paid to an agent. For most companies selling online, however, there are high advertising and marketing costs so the lack of a commission may be a wash.

To learn even more about car insurance

Even more information is available at the California Department of Insurance website. California consumers can find a variety of consumer forms, discover disciplinary actions, read enforcement actions against agents and companies, and view agent and company licensing information.

Cheaper insurance is a realistic goal

Cheap car insurance can be sourced from both online companies and also from your neighborhood Ontario agents, and you need to price shop both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and these smaller companies work with independent agents.

California insurance quotes

People leave their current company for a variety of reasons including high prices, poor customer service, delays in responding to claim requests or denial of a claim. It doesn’t matter what your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.