Online Quotes for Riverside, CA Auto Insurance Agencies

If you’re trying to find a licensed insurance agent in Riverside, you can always start your research online rather than picking up the phone. The chances are good you’re looking for a decent agent, but you also need great rates as well.

With companies like American Family, Allstate, State Farm and independent agents all competing for your business, it’s hard to tell which auto insurance agent will provide the best service and rates. Thankfully, it’s easy to use online price quotes to assemble a group of agents from which to choose.

Is my situation unique?

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. For example, these questions may help you determine whether or not you may require specific advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Is my teen driver covered when they drive my company car?
  • Do I pay less if my vehicle is kept in my garage?
  • When should I remove comp and collision on my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Is business property covered if stolen from my car?
  • What if I don’t agree with a claim settlement offer?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent.

Your local neighborhood insurance agent

Educated insurance agents can answer important questions and give you peace of mind. The biggest benefit of getting online price quotes is you may find the lowest rates and still choose a local agent. Buying from local insurance agencies is important especially in Riverside.

To make it easy to find an agent, after completing this short form, your insurance data is immediately sent to companies in Riverside who will compete for your coverage. There is no reason to drive around due to the fact that quote results will go immediately to your email address. It doesn’t get any easier! Get lower rates and a licensed agent to work with.

Compare rates from both independent and captive car insurance agents

When finding a good Riverside insurance agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Agencies in Riverside are either independent (non-captive) or captive.

Independent Agents

Independent agents are not locked into one company but instead can place your coverage with many different companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies. When shopping rates, we recommend you include price quotes from at least one independent agent for the best price selection.

Below is a short list of independent agencies in Riverside that may be able to provide rate quotes.

Farmers Agency – 6670 Alessandro Blvd # C – Riverside, CA 92506 – (951) 789-1270
Carlson Insurance – 9339 Equestrian Dr – Riverside, CA 92503 – (951) 352-4770
Jack Burge Agency – 5325 Via San Jacinto – Riverside, CA 92506 – (951) 682-5131
Espinosa Agency – 5055 Pearblossom Dr – Riverside, CA 92507 – (951) 784-1737
Preferred Insurance – 3501 Adams St – Riverside, CA 92504 – (951) 689-4830

Captive Insurance Agents

Captive agencies can only write with one company and some examples include American Family, Liberty Mutual and AAA. Captives cannot provide prices from multiple companies so always compare other rates. Captive agencies are trained well on their company’s products which helps them compete with independent agents.

Below is a short list of captive agents in Riverside that can give you price quotes.

Allstate Insurance – 3297 Arlington Ave # 200 – Riverside, CA 92506 – (951) 369-0277
Liberty Mutual Insurance – 7000 Indiana Ave # 111 – Riverside, CA 92506 – (951) 275-5011
Farmers Insurance Group – 3709 Arlington Ave # A – Riverside, CA 92506 – (951) 788-8859
State Farm Insurance – 5015 Canyon Crest Dr # 101 – Riverside, CA 92507 – (951) 788-8040

To view a full list of auto insurance agents in Riverside, please click here.

Picking an insurance agency shouldn’t rely on just the price. Any agent should be forthright in answering these questions:

  • Do they make recommendations based only on price?
  • Do they assist clients in filing claims?
  • Which company do they place the most coverage with?
  • Which insurance companies are they affiliated with?
  • Can glass repairs be made at your home?

Once you have received answers to your satisfaction as well as a affordable price, you have narrowed it down to a car insurance agent that is a good match to properly service your auto insurance policy.

Do online companies have better prices?

Insurance agents are a valuable resource, but California car insurance can also be bought direct online. Certain auto insurance companies who sell through agents in Riverside also give you the option to get a quote and buy online, so keep that in mind if you are the do-it-yourself type.

If you’re concerned about not receiving proper advice when buying direct, don’t sweat it. Car insurance companies that allow you to purchase coverage provide toll-free numbers for getting the best coverage. You can also use live chat and online tools to clarify any questions you may have.

Do online companies provide lower prices? The answer is complex because of the fact that insurance companies use many factors that determine the price you pay. Common logic is that buying direct lowers rates due to not having any agent compensation. For most online online companies, however, there are high advertising and marketing costs so this can offset any savings.

California insurance prices

Additional information can be read on the website for the California Department of Insurance through this link. Visitors are able to file complaints about a company, learn about specific coverages, learn about insurance regulations, and read industry bulletins.

One last thing about your coverage

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. In many instances, someone dropped collision coverage only to find out that the savings was not a smart move. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.

Low-cost auto insurance can be found on the web and also from your neighborhood Riverside agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.