If you’re looking for cheap car insurance in Edmonds, we recommend you start your search on the web to save yourself time. There is a good chance you’re looking for a professional agent, but you also need affordable coverage.
With State Farm, Allstate and many independent agents having local Edmonds offices, it’s difficult to determine which will give you the best rates, service and coverage. To help decide, it’s easy to use online quotes to get a list of insurance agencies to choose from.
Quote online but still have a local agent
Educated insurance agents can point out coverage gaps and give you peace of mind. The best thing about comparing rates online is the fact that you can find the lowest rates but also keep your business local. Buying from local agencies is definitely important in Edmonds.
Once you complete this quick form, the quote information is transmitted to participating agents in Edmonds who will compete for your business. There is no need to even leave your home because quoted prices will be sent to the email address you provide. Now that’s easy! Get lower rates AND an agent nearby.
Pick the best car insurance agent in Edmonds for you
When researching a reliable agent, you must know there are a couple types of agencies from which to choose. Edmonds agents are categorized either captive or independent.
Independent Agencies or Brokers
Independent insurance agents are not required to write business for one company so they have the ability to put coverage with many different companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies. When shopping rates, it’s a good idea to include price quotes from several independent insurance agents to get the best comparison.
Below are independent agencies in Edmonds willing to provide pricing information.
James Gaylord Insurance – 8301 212th St SW – Edmonds, WA 98026 – (425) 778-0050
Henry Agency – 316 Main St # C – Edmonds, WA 98020 – (425) 775-6730
Laima Insurance and Investments – 7930 230th St SW – Edmonds, WA 98026 – (425) 672-4622
These agents are contracted to one company and examples are State Farm, AAA and Liberty Mutual. They are unable to provide prices from multiple companies so they have no alternatives for high prices. Captive agencies are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
The following is a short list of captive agents in Edmonds that can give you price quotes.
Farmers Insurance Group – 7907 212th St SW # 107 – Edmonds, WA 98026 – (425) 775-5510
Allstate Insurance – 9619 244th St SW – Edmonds, WA 98020 – (206) 542-0424
State Farm Insurance – 22816 100th Ave W – Edmonds, WA 98020 – (425) 775-4664
For a complete listing of captive agents in Edmonds, please view this page.
Deciding on an insurance agent should depend on more than just the premium amount. Any agent should have no problem answering these questions:
- If they are an independent agency, which companies do they recommend?
- Do they receive special compensation for putting your coverage with one company over another?
- Do the coverages you’re quoting properly cover your vehicle?
- Which members of your family are coverage by the policy?
- Is the agency involved in supporting local community causes?
- Do they assist clients in filing claims?
- Do they have any clout with companies to ensure a fair claim settlement?
Upon receiving acceptable answers to any questions you have and an acceptable price quote, chances are good that you have found a car insurance agent that is a good match to insure your vehicles.
Online companies appeal to some consumers
Local insurance agents are important, but Washington consumers also have the option to buy direct from companies that only sell online. Some car insurance companies, such as State Farm, Allstate and Farmers, who have local agents in Edmonds also let you get quotes and purchase online, and that is helpful if you don’t want to take the time to contact agents.
If you’re concerned about not having an insurance agent’s advice when shopping online, that is normal but is not a big issue. All companies provide customer service for answering any questions you have.
Will buying online save you money? That question is hard to answer because there are so many things which can raise or lower premium rates. Many people think that a consumer who buys direct cuts out the agent as a middleman. But in reality, it’s expensive to advertise and this drives up their premium costs.
Budget-conscious auto insurance is attainable from both online companies and with local Edmonds insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.
People leave their current company for any number of reasons including unfair underwriting practices, extreme rates for teen drivers, delays in paying claims or even policy cancellation. Whatever your reason, finding a great new company can be pretty painless.
For more reading
More information is available on the website for the Washington State Office of the Insurance Commissioner through this link. Visitors are able to file complaints about an insurance agent or broker, find a variety of consumer forms, and find out industry alerts.