When shopping for auto insurance, there are a lot of options and selecting the best Asheboro car insurance agent for your needs takes more work than just driving to the closest agent’s office. You need a good professional insurance agent, but also the best possible rates.
There are many insurance agents to choose from, and even though it’s nice to have a selection, too many choices makes it more difficult to compare company pricing.
Save time by quoting online
Educated insurance agents can point out coverage gaps and give you peace of mind. The biggest benefit of comparing rates online is you may find lower rates and still have an agent to talk to.
After completing this quick form, the quote information is emailed to agents in your area who will give you bids for your insurance coverage. You won’t need to leave your house since price quotes are sent directly to your email. How cool is that?! It’s the lowest rates and a licensed agent to work with.
Deciding on an auto insurance agent shouldn’t rely on just the bottom line cost. These questions are important to ask:
- Is vehicle damage repaired with OEM or aftermarket parts?
- Will their companies depreciate repairs to your car based on the mileage?
- What insurance company do they write the most business with?
- Is the agent and/or agency licensed to do business in North Carolina?
- Is assistance available after office hours?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- How are claims handled?
- How much will you save each year by using a higher deductible?
Pick the best car insurance agent in Asheboro for you
If you’re trying to find a good Asheboro insurance agent, there are a couple of types of insurance agents that you can select. Agents are categorized either captive or independent (non-captive).
Agency Captives
Captive agents write business for a single company like Allstate, AAA, Liberty Mutual and State Farm. They generally cannot place coverage with different providers so they are skilled at selling on more than just price. Captives are well schooled in insurance sales which can be an advantage.
Listed below are Asheboro captive insurance agents that are able to give rate quotes.
Allstate Insurance – 516 S Cox St # B – Asheboro, NC 27203 – (336) 626-3553
Farm Bureau Insurance – 1342 E Salisbury St – Asheboro, NC 27203 – (336) 629-9187
Independent Agencies or Brokers
These agents are not locked into one company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies.
When searching for an agent, we recommend you get quotes from at a minimum one independent agency to get the best comparison.
Below is a list of independent insurance agencies in Asheboro willing to provide comparison quotes.
Family Insurance Svc – 563 N Elm St – Asheboro, NC 27203 – (336) 625-4895
Cranford Agency – 906 S Fayetteville St – Asheboro, NC 27203 – (336) 629-9100
Direct General Ins Agency – 125 E Taft Ave – Asheboro, NC 27203 – (336) 625-2627
Corie F Mc Rae Agency Inc – 128 N Park St – Asheboro, NC 27203 – (336) 629-9151
Stan Beck Insurance – 305 White Oak St – Asheboro, NC 27203 – (336) 633-3038
To view a complete directory of Asheboro insurance agents, view this link.
After receiving acceptable answers to these questions and an affordable coverage quote, chances are good that you have found an insurance agent that meets your needs to properly service your auto insurance policy.
The online alternatives
Professional insurance agents are a valuable resource, but you can also find affordable North Carolina auto insurance from companies direct over the internet. Some car insurance companies like Allstate and State Farm that are more known for using agents, additionally provide the ability to buy online, and that can save time if you’re trying to lower your rates.
If you’re uneasy about not getting proper coverage when buying car insurance direct, this is normal but is quickly overcome. Companies provide access to licensed agents for getting the best coverage.
Does car insurance cost less online? Many people swear by it, but it’s difficult to answer since there may be dozens of rate factors that determine your policy premium. Many people think that a shopper who purchases direct cuts out the middleman. But in most cases, marketing expenses are significant and those expenses can offset most of the savings by selling direct.
The only method to determine whether online companies or local agents have lower rates is to get free quotes from both and compare them. Lots of times people will get different prices when comparing quotes online and from an agent from the same car insurance company.
Smart shoppers get results
When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at the best price while still protecting your assets.
Consumers change insurance companies for a variety of reasons including unfair underwriting practices, poor customer service, not issuing a premium refund or even extreme rates for teen drivers. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.
More information about auto insurance
Additional detailed information can be read at the North Carolina Department of Insurance website. North Carolina drivers can report car insurance fraud, find out which companies have the most complaints, and learn about specific coverages.
