If you’re looking for a good insurance agent in Chesapeake, Virginia, you can always do the preliminary legwork on the internet instead of making phone calls. For the sake of this article, we’ll assume you’re not only searching for a good professional insurance agent, but you also need great rates as well.
With companies like American Family, Allstate, State Farm and Farmers all competing for your business, it can be hard to know which one will provide you with the cheapest rates and the best coverage. To begin, consumers can get insurance quotes online to assemble a group of agents and price estimates.
Compare online but buy from a local Chesapeake 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 lowest rates but still work with a licensed agent. Buying from local businesses is especially important in Chesapeake.
Once you complete this short form, your coverage information is submitted to agents in your area who will compete for your insurance coverage. There is no need to visit any agencies since price quotes are sent to your email. Now that’s easy! You’ll get the best rates and a licensed agent to work with.
If you wish to contact a specific insurance agent in Chesapeake, view this link.
Selecting a car insurance agent needs to be determined by more than just the premium amount. Here are some questions to ask:
- Are you getting all the discounts the company offers?
- Which insurance companies are they affiliated with?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Is assistance available after office hours?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Upon getting positive responses for all questions you ask and a low price estimate, most likely you have located an insurance agent that is a good match to adequately provide car insurance.
What about online companies that don’t sell through insurance agents?
Car insurance agents can be invaluable at times, but you can also buy Virginia car insurance from online companies direct. Some companies like Allstate and State Farm that are more known for using agents, also permit you to buy direct online, and online price comparisons are easy if finding the best price is important.
If you’re anxious about choosing your own coverages, that shouldn’t be an issue. Companies have toll-free phone numbers and other options for customer questions. Many online companies also provide online help and live chat you can access prior to buying.
Will buying online save you money? That question is hard to answer because there are a lot of things that impact your premium. It’s logical to say that shopping direct cuts out the middleman. In reality, there are very high advertising costs and that can cost more than having to pay agents.
A tidy conclusion
Cheaper car insurance can be sourced both online and also from your neighborhood Chesapeake agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.
When shopping online for car insurance, it’s a bad idea to reduce coverage to reduce premium. In too many instances, someone sacrificed comprehensive coverage or liability limits only to discover later that they should have had better coverage. The aim is to get the best coverage possible at the best price, not the least amount of coverage.
Additional information can be read on the website for the Virginia Bureau of Insurance located here. Visitors are able to find out which companies have the most complaints, read enforcement actions against agents and companies, and get help finding coverage.