Selecting a car insurance company in Palm Coast, FL can be time consuming since you have many choices and choosing the right Palm Coast insurance agent takes more work than just calling the closest agent. You need a professional agent, but also need competitive car insurance rates.
Consumers have many auto insurance agents to buy insurance from, and although it’s a good thing to have a selection, it can be more difficult to find the lowest rates.
Working with a local agent
Professional agents can help determine the best coverages and give you someone to call. One of the best bonuses of comparing rates online is you can get the best rates but also keep your business local.
To find an agent, once you fill out this simple form, the coverage information is submitted to companies in Palm Coast who will battle to get your business. You don’t have to visit any agencies since price quotes are sent to your email. How cool is that?!
Choosing an insurance agency needs to be determined by more than just the premium amount. Ask your prospective agent these questions:
- Do the coverages you’re quoting properly cover your vehicle?
- What is the agency’s Better Business Bureau rating?
- Is working in the agency their full-time job?
- Do they review policy coverages at every renewal?
- Which insurance companies are they affiliated with?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- If you have an accident, will your rates go up?
- How much can you save by raising your physical damage deductibles?
Do you need an independent or captive insurance agent?
When searching for local Palm Coast agents, there are two different types of agents from which to choose. Agents are either independent or captive. Either one can insure your vehicles, but it’s good to learn the difference between them since it may influence your selection of an agent.
Captive Insurance Agents
Captive agents can only place business with one company such as State Farm or Allstate. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. These agents are well schooled on their company’s products and that can be a competitive advantage. Some consumers prefer to purchase coverage from captives mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.
Listed below is a short list of captive insurance agencies in Palm Coast who can help you get comparison quotes.
- Allstate Insurance – 21 Old Kings Rd N # B108 – Palm Coast, FL 32137 – (386) 447-0003
- State Farm Insurance – 59 Farnum Ln – Palm Coast, FL 32137 – (386) 445-4545
These agents do not work for one specific company but instead can place your coverage with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part. When comparison shopping, we recommend you get quotes from several independent insurance agents to have the most options to choose from. Most have the option of insuring with smaller regional carriers who may have lower rates.
Below is a short list of independent insurance agencies in Palm Coast that can give you price quotes.
- All Counties Insurance – 1 Florida Park Dr S – Palm Coast, FL 32137 – (386) 986-2222
- B Murray Insurance Inc – 1 Florida Park Dr S # 300 – Palm Coast, FL 32137 – (386) 246-9750
For a complete listing of insurance agents in Palm Coast, simply jump to this page.
Upon getting positive feedback to your questions and locked in a price quote, it’s possible that you found an insurance agency that will properly service your car insurance policy.
Are online companies an option?
Local insurance agents are important, but Florida drivers can also buy from online companies direct. Certain auto insurance companies, such as State Farm, Allstate and Farmers, who sell through agents in Palm Coast also allow you to get quotes and purchase online, so this should also be taken into consideration if you want to do it yourself.
If you’re concerned about not having an insurance agent’s advice, this is normal but is quickly overcome. Companies have toll-free phone numbers and other options for answering any questions you have.
The only way to determine who has the best rates, online companies or local insurance agents, is to get price quotes for both. Even though it sounds odd, people frequently get different pricing returned by the same company if you compare an online quote to agent rates. You won’t discover whether online or agents have the lower rates without quoting coverages from both.
Can you find lower rates online? Many people think so, but it’s hard to say for sure because there are many components which can raise or lower premium rates. You may think that purchasing direct online reduces premiums because there is no agent. For the majority of companies, however, it’s expensive to advertise and those expenses can offset most of the savings by selling direct.
Keep this in mind
Insureds change insurance companies for a variety of reasons including unfair underwriting practices, an unsatisfactory settlement offer, high rates after DUI convictions or denial of a claim. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.
When shopping online for car insurance, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many cases where someone sacrificed liability limits or collision coverage to discover at claim time that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at the best price while still protecting your assets.
More Florida car insurance resources
Even more information can be read at the Florida Office of Insurance Regulation website. Visitors are able to read consumer alerts, find disaster information, and find out industry alerts.