Pricing Comparisons for Charlotte Auto Insurance Agents

When trying to find a good Charlotte agent, you can always begin your search by comparing rates online rather than looking in the yellowpages. Consumers require a professional agent, and also want to find the best price on auto insurance.

Drivers have multiple auto insurance agents to buy insurance from, and even though it’s nice to have a selection, so many choices can make it hard to find the lowest cost provider.

Compare online but buy from a local Charlotte agent

Agents can answer important questions and help submit paperwork. The biggest benefit of comparing rates online is you may find the lowest rates and still have an agent to talk to.

For easy comparison, once you complete this quick form, your insurance coverage information is emailed to agents in your area who will give you bids for your insurance coverage. There is no reason to leave your house 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 local agent.

Selecting an insurance agent should depend on more than just the bottom line cost. These are valid questions to ask:

  • Do they make recommendations based only on price?
  • Are there any discounts that you might be missing?
  • How are claims handled?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?

What types of insurance agents are in Charlotte?

When looking for a reliable agent, you need to know there are two types of agencies that differ in how they can insure your vehicles. Agencies in Charlotte are classified as either captive or independent (non-captive).

Agency Captives

Captive agencies have only one company to place business with such as Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to provide prices from multiple companies so keep that in mind. Captives receive extensive training in insurance sales and that can be a competitive advantage.

Listed below are captive agencies in Charlotte who can help you get comparison quotes.

Farm Bureau Insurance – 5118 Princess St – Charlotte, NC 28269 – (704) 597-8333
State Farm Insurance – 301 S College St # 210 – Charlotte, NC 28202 – (704) 332-1970
Liberty Mutual Insurance – 7401 Carmel Executive Park Dr – Charlotte, NC 28226 – (704) 544-9789
Farmers Insurance Group – – Charlotte, NC 28269 – (704) 503-2066
Allstate Insurance Co – 5970 Fairview Rd # 128 – Charlotte, NC 28210 – (704) 553-8888

Independent Agencies or Brokers

Independent agencies are not required to write business for one company so they have the ability to put coverage with any number of different companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies. When shopping rates, you should always include price quotes from several independent insurance agents to get the best comparison.

Below are independent insurance agencies in Charlotte who can help you get rate quotes.

Pro Auto Insurance – 6132 N Tryon St – Charlotte, NC 28213 – (704) 596-6030
Angel Agency – 4523 Park Rd # 103 – Charlotte, NC 28209 – (704) 525-9300
John Marr Agency – 5950 Fairview Rd # 603 – Charlotte, NC 28210 – (704) 554-5701
Bett’s Insurance – 9330 Alexis Dr – Charlotte, NC 28227 – (704) 573-0201
Brokerage General Agency – 230 S Tryon St # 8 – Charlotte, NC 28202 – (704) 715-2123

To view a full list of Charlotte insurance agents, visit this site.

After receiving positive responses to any questions you have and an affordable coverage quote, chances are good that you have found an auto insurance agent that is a good match to properly insure your vehicles.

Also keep in mind buying direct

Licensed agents are important, but you also have the option of buying from online companies direct. Certain companies like Allstate and State Farm who have local Charlotte agents also give you the option to buy online, and consumers should do that if the lowest rate is your goal.

If you’re uncomfortable with whether or not you’ll have guidance, that is quite common when buying online the first time. Insurance companies all have client service departments that you can contact for information. They also offer live help and 24/7 access so buying online is not difficult.

Do people save by buying online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because of the fact that insurance companies use many factors that determine your policy premium. Common logic is that a consumer who buys direct prevents the agent from taking a cut. But the reality is promoting brand recognition is pricey and that impacts the rates consumers pay.

Charlotte agents

Keep this in mind

Low-cost auto insurance is attainable on the web in addition to many Charlotte insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some auto insurance companies do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

Insureds change insurance companies for many reasons like high prices, extreme rates for teen drivers, an unsatisfactory settlement offer or even policy cancellation. Whatever your reason, finding a new auto insurance company can be easy and end up saving you some money.

More detailed North Carolina auto insurance information is available at the North Carolina Department of Insurance website. Consumers can find out which companies have the most complaints, read state legal mandates and laws, view agent and company licensing information, and learn about specific coverages.