When pricing car insurance in Compton, CA, there are a lot of options and choosing the right Compton auto insurance agent takes more work than just making a phone call. Consumers require a great agent that can assess your needs, but also cheap rates.
Having so many choices of insurance companies, it is hard for the average consumer to locate the right company.
Quote online, buy local
Professional agents are trained to spot inefficiencies and help submit paperwork. The biggest benefit of price shopping on the web is you can get the lowest rates and still have an agent to talk to.
Upon completion of this short form, your information is transmitted to insurance agents in Compton who will give you bids to get your business. You never need to drive around because quoted prices will be sent directly to your email. How cool is that?!
Picking an insurance agency requires more thought than just the bottom line cost. Here are some questions to ask:
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Are claims handled at the agent’s location?
- Does the agency provide any after hours assistance?
- Is the agent and/or agency licensed to do business in California?
Two types of insurance agencies
When researching a reliable agent, there are a couple of different types of agents to choose from. Insurance agencies in Compton can either be captive or independent. Both write coverage properly, but it’s worth mentioning the difference between them since it can impact the selection process.
Captive Insurance Agents
Captive agencies write business for a single company and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. Captives cannot give you multiple price quotes so keep that in mind. Captive agencies are very knowledgeable on their products and sales techniques and that can be a competitive advantage. Consumers frequently choose to use a captive agent partially due to loyalty to the company and the convenience of having all coverages with one company.
The following are captive insurance agents in Compton willing to provide price quote information.
- State Farm Insurance – 1214 N Wilmington Ave – Compton, CA 90222 – (310) 632-9810
Independent Agencies or Brokers
Independent agents are not required to write business for one company but instead can place your coverage with many different companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage and you won’t have to switch agencies. When shopping rates, you should always get quotes from at a minimum one independent agency for maximum quote selection. They also have the ability to place coverage with smaller regional carriers who may have lower rates.
Shown below is a list of independent insurance agents in Compton who can help you get rate quotes.
- Fiesta Auto Insurance – 408 S Long Beach Blvd – Compton, CA 90221 – (310) 537-9591
- Fiesta Auto Insurance Ctr – 408 S Long Beach Blvd – Compton, CA 90221 – (310) 537-9591
To view a complete directory of licensed insurance agents in Compton, go to this page.
After getting positive responses to any questions you have and an acceptable price quote, most likely you have located an insurance agent that can service your policy.
Online auto insurance companies
Auto insurance agents are perfect for certain consumers, but you can also find affordable California auto insurance directly from online companies. Certain companies like State Farm and Allstate who have local Compton agents also give you the ability to get a quote and buy online, and that is helpful if you are the do-it-yourself type.
If you’re uneasy about not having an insurance agent’s advice when buying direct, this is a normal reaction for first-time shoppers. All companies provide toll-free numbers to help you decide which coverages are appropriate.
Will you save money buying auto insurance online? Many people swear by it, but it’s difficult to answer since there may be dozens of rate factors which can raise or lower premium rates. It’s logical to say that going direct saves by not paying a commission. But the fact is, there are high advertising and marketing costs and that can quickly cost more than paying an agent.
Even more information is available at the California Department of Insurance website. California consumers can view agent and company licensing information, file complaints about an insurance agent or broker, and view a list of available companies.
Summing up your car insurance search
Low-cost car insurance is possible on the web and also from your neighborhood Compton agents, so compare prices from both to have the best rate selection. A few companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.
Insureds leave their current company for any number of reasons including unfair underwriting practices, poor customer service, extreme rates for teen drivers or even delays in paying claims. Regardless of your reason for switching companies, switching companies is pretty easy and you might even save some money in the process.