When searching for a good Newport Beach agent, it’s recommended you begin your search on the internet rather than picking up the phone. Consumers need a great agent that can assess your needs, and also the cheapest rates you can possibly find.
Companies like State Farm, Progressive and GEICO persitently shower you with ads and it is challenging if not impossible to ignore the promise of big savings and effectively compare rates to find the best deal.
Compare Newport Beach agent rates online
Good agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of price shopping on the web is you can get the lowest rates but still work with a licensed agent.
To help locate an agent, after submitting this short form, the quote information is emailed to agents in your area who will compete to get your business. You never need to even leave your home since price quotes are sent to your email. How’s that for easy!
Selecting a car insurance agent should depend on more than just a low price. Agents should be asked these questions:
- Are there any discounts that you might be missing?
- Do they regularly work with personal auto policies?
- Who is covered by the car insurance policy?
- Are they properly licensed to sell insurance in California?
- Do they assist clients in filing claims?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Did they already check your driving record and credit reports?
- How many years of experience in personal lines insurance coverages do they have?
Do you need an independent or captive car insurance agent?
When searching for a good insurance agency, you must know there are a couple different agency structures from which to choose. Newport Beach agents are either independent or captive. Either one can do a good job, but it’s important to know the differences because it can influence buying decisions.
Captive Insurance Agents
Captive agents can only place business with one company such as State Farm, AAA and Liberty Mutual. These agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. Captive agents receive extensive training on their company’s products which helps them compete with independent agents.
The following is a short list of captive agents in Newport Beach who may provide you with comparison quotes.
Allstate Insurance – 1400 Quail St # 245 – Newport Beach, CA 92660 – (949) 833-8200
Farmers Insurance Group – 20051 SW Birch St # 200 – Newport Beach, CA 92660 – (949) 260-9707
Independent Agencies or Brokers
Independent agencies are not required to write business for one company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage and you won’t have to switch agencies.
When searching for an agent, you should always get quotes from several independent insurance agents to get the best comparison.
Below is a list of independent agencies in Newport Beach who can help you get price quotes.
Kelly Campbell Insurances Svc – 1300 Quail St – Newport Beach, CA 92660 – (949) 756-8826
Claflin Agency – 4630 Campus Dr – Newport Beach, CA 92660 – (949) 252-8193
Deckard Insurance – 20051 SW Birch St – Newport Beach, CA 92660 – (949) 756-1888
For a full directory of car insurance agents in Newport Beach, view this link.
After receiving reasonable responses to all your questions and a low price estimate, you have narrowed it down to a car insurance agent that meets your needs to provide car insurance coverage.
Have you considered online alternatives?
Local insurance agents are perfect for certain consumers, but California consumers also have the option to buy direct online. Some car insurance companies who have local agents in Newport Beach also permit you to buy online, so that should be considered if the lowest rate is your goal.
If you’re concerned about whether or not you’ll have guidance, don’t be too concerned. Companies have toll-free phone numbers and other options to walk you through the process. They also have anytime access to help and a customer research section to help you make a buying decision.
Can you find lower rates online? It’s difficult to say for sure since there are many things that impact your premium. Some people will tell you that buying online lowers rates due to not having any agent compensation. For most companies selling online, however, it’s expensive to advertise and that impacts the rates consumers pay.
More resources for learning
Even more information can be found at the California Department of Insurance website. Consumers can file complaints about an insurance agent or broker, read consumer alerts, view a list of available companies, and learn about insurance regulations.
More comparisons equals lower rates
As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where someone sacrificed liability limits or collision coverage only to discover later that it was a big error on their part. Your aim should be to purchase plenty of coverage for the lowest price while still protecting your assets.
Affordable car insurance can be found from both online companies as well as from independent agents in Newport Beach, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.