When searching for an insurance agent in Concord, CA, it’s recommended you begin your search online to save yourself time. You require a professional licensed agent, but also need affordable rates.
There are many insurance agencies to purchase coverage from, and although it’s a good thing to have a choice, it makes it harder to find the best rates.
Working with a local agent
Insurance agents can help determine the best coverages and help in the event of a claim. The biggest benefit of getting online price quotes is you can get the best rates but also keep your business local.
By using this simple form, the quote information is transmitted to companies in Concord who will compete for your business. You won’t need to leave your computer as quotes are delivered directly to your email. How cool is that?!
Picking an insurance agency should depend on more than just the price. Any agent should have no problem answering these questions:
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Do they regularly work with personal auto policies?
- If you are a high risk driver, do they have special markets for your coverage?
- Are they properly licensed to sell insurance in California?
- How much will you save each year by using a higher deductible?
- What insurance company do they write the most business with?
- Does the agency provide any after hours assistance?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
The following are agents in Concord who can help you get rate quotes.
Allstate Insurance – 2280 Diamond Blvd # 210, Concord, CA 94520 – (925) 827-1800
Federated Insurance Co – 1494 Washington Blvd # E, Concord, CA 94521 – (925) 672-8774
Farmers Insurance Group – 1848 Willow Pass Rd # 206, Concord, CA 94520 – (925) 726-3706
Reno Insurance – 5356 Clayton Rd # 222, Concord, CA 94521 – (925) 798-8882
State Farm Insurance – 1000 Burnett Ave, Concord, CA 94520 – (925) 808-6554
Brick Agency – 2975 Treat Blvd # D2, Concord, CA 94518 – (925) 687-6262
Once you have received good answers to any questions you have and an acceptable price quote, chances are good that you have found a car insurance agent that can properly service your car insurance policy.
Aren’t online-only companies cheaper?
Local insurance agents are a valuable resource, but California car insurance can also be bought direct from companies online. Some specific companies, such as State Farm, Allstate and Farmers, that are more known for using agents, also let you buy online, so this should also be taken into consideration and can also potentially find you lower rates.
If you’re uneasy about having to choose coverages yourself, don’t be too concerned. Auto insurance companies provide access to licensed agents for getting questions answered. Consumers also can use extensive coverage information and 24/7 assistance so you can feel comfortable buying online.
Will buying online save you money? That is a tough question to answer due to the large number of individual components that impact your premium. Common logic is that buying car insurance online reduces premiums because there is no agent. But the reality is promoting brand recognition is pricey and this drives up their premium costs.
Summing up your car insurance search
The cheapest car insurance is possible online as well as from independent agents in Concord, so you should be comparing quotes from both to get a complete price analysis. Some companies don’t offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.
As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. In many cases, someone dropped full coverage and discovered at claim time that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.
More detailed California car insurance information is located at the California Department of Insurance website. California drivers can find out industry alerts, download brochures, and read consumer alerts.