When pricing car insurance in Rancho Cucamonga, California, there are a lot of options and choosing the right Rancho Cucamonga auto insurance agent is not as easy as just making a phone call. We’re assuming you not only want a good agent that listens to you, but you also need great rates as well.
With insurance companies like Allstate, Farmers, State Farm and many independent agents all competing for your business, it’s difficult to determine which insurance agency will provide the cheapest rates and the best coverage. To help decide, consumers can use online price quotes to build a list of agents from which to choose.
Buying car insurance from a local Rancho Cucamonga agent
Good agents can point out coverage gaps and give you peace of mind. The best thing about getting online price quotes is you may find better rates but still work with a licensed agent. And supporting local businesses is definitely important in Rancho Cucamonga.
For easy comparison, once you complete this form (opens in new window), your insurance data is immediately sent to local insurance agents who will compete for your coverage. You don’t have to visit any agencies because quoted prices will be sent straight to your inbox. How cool is that?!
Not all insurance agents are the same
When looking for a reputable insurance agent or broker, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Insurance agencies in Rancho Cucamonga are classified as either captive or independent (non-captive). Both write coverage properly, but it’s important to know how they differ since it may influence your selection of an agent.
Independent Insurance Agents
These agents are not employed by any specific company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent. When comparing rates, it’s a good idea to contact at a minimum one independent agency to have the most options to choose from.
Below are independent agents in Rancho Cucamonga that may be able to provide competitive price quotes.
Jungs Agency – 7365 Carnelian St # 206 – Rancho Cucamonga, CA 91730 – (626) 339-9190
Casazza Insurance – 7974 Haven Ave # 160 – Rancho Cucamonga, CA 91730 – (909) 980-7900
Jung Agency – 7365 Carnelian St – Rancho Cucamonga, CA 91730 – (909) 466-4792
Deer Creek Insurance Svc – 8439 White Oak Ave # 106 – Rancho Cucamonga, CA 91730 – (909) 980-6180
Captive insurance agents can only write with one company like Farmers Insurance or State Farm. Captives cannot give you multiple price quotes so they have no alternatives for high prices. They are well schooled on their products and sales techniques which can be an advantage.
Below is a list of captive agencies in Rancho Cucamonga that can give you rate quotes.
State Farm Insurance – 7828 Haven Ave – Rancho Cucamonga, CA 91730 – (909) 481-2443
Farmers Insurance Group – 8720 Helms Ave – Rancho Cucamonga, CA 91730 – (909) 483-5552
Allstate Insurance – 7365 Carnelian St # 242 – Rancho Cucamonga, CA 91730 – (909) 987-6403
To view a full list of captive agencies in Rancho Cucamonga, view this link.
Picking an insurance agency shouldn’t rely on just a cheap price. Here are some questions to ask:
- Are they able to influence company decisions when a claim is filed?
- Are there any discounts that you might be missing?
- Is the agent and/or agency licensed to do business in California?
- Do the companies they represent have a solid financial rating?
- Do they make recommendations based only on price?
- How long has their agency been open in Rancho Cucamonga?
- How long have they worked with personal auto insurance coverage?
After getting acceptable answers to any questions you have and a low price estimate, chances are good that you have found an auto insurance agent that is a good match to service your policy.
But what about buying from online companies?
Professional insurance agents are a valuable resource, but California car insurance can also be bought from online companies direct. Some companies, such as Farmers Insurance and State Farm, who have local agents in Rancho Cucamonga also give you the option to buy a policy online, so this should also be taken into consideration if you don’t want to take the time to contact agents.
If you’re concerned about choosing your own coverages, this really isn’t an issue. Online car insurance companies have toll-free phone numbers and other options to help you decide which coverages are appropriate. Many online companies also provide online education and live help anytime so buying online is not difficult.
Are online premiums lower? Many people think so, but it’s hard to say for sure due to the fact that there are multiple individual factors that impact your rate calculation. Common logic is that purchasing direct online cuts out the agent as a middleman. But in reality, there are very high advertising costs so this can offset any savings.
More information about car insurance
Much more information about car insurance in California is located on the website for the California Department of Insurance. Click here for link. California drivers can learn about specific coverages, file complaints about an insurance agent or broker, and learn about insurance regulations.
Compare but don’t skimp
Cost effective car insurance can be purchased online in addition to many Rancho Cucamonga insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.
As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. In many cases, an insured cut liability limits or collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage at the best price while still protecting your assets.