When pricing auto insurance in Delray Beach, Florida, there are a lot of options and selecting the best Delray Beach insurance agent for your needs is more difficult than just making a phone call. For the sake of this article, we’ll assume you want a decent agent, but also the lowest possible price.
With Allstate, Farmers, State Farm and many independent agents all competing for business in Delray Beach, consumers have a hard time knowing which provider will give you the best service and rates. To help decide, you can use online quotes to assemble a group of insurance agents and thier coverage prices.
Price shop online but buy from a local Delray Beach agent
Professional agents can answer important questions and help in the event of a claim. One of the best bonuses of price shopping on the web is you can get the lowest rates but still work with a licensed agent. And providing support for local insurance agencies is especially important in Delray Beach.
After completing this simple form, the quote information is emailed to local insurance agents in Delray Beach who will battle to get your business. There is no reason to drive around since price quotes are sent straight to your inbox. How’s that for easy! You’ll get the best rates AND an agent nearby.
Below are agents in Delray Beach who can help you get price quote information.
Farm Bureau Insurance – 13121 Military Trl, Delray Beach, FL 33484 – (561) 498-5200
Melvin Agency – , Delray Beach, FL 33483 – (561) 278-0107
State Farm Insurance – 3945 W Atlantic Ave, Delray Beach, FL 33445 – (561) 243-2300
Allstate Insurance – 1000 Linton Blvd # A2, Delray Beach, FL 33444 – (561) 278-2555
All Florida Insurance – 310 SE 1st St # 7, Delray Beach, FL 33483 – (561) 272-7587
Watsen Insurance – 316 NE 4th St, Delray Beach, FL 33444 – (561) 243-8121
Selecting an auto insurance agent shouldn’t rely on just a cheap price. These are valid questions to ask:
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they assist clients in filing claims?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they make recommendations based only on price?
- Is the agent and/or agency licensed to do business in Florida?
Once you have reasonable responses to these questions and an acceptable price quote, chances are good that you have found an insurance agent that is a good match to properly service your auto insurance policy.
What about online companies that don’t have local agents?
Local insurance agents are perfect for certain consumers, but Florida car insurance can also be bought direct from companies that only sell online. Some car insurance companies like State Farm and Allstate who employ agents also permit you to quote and buy online, so this should also be taken into consideration if you prefer to buy online.
If you’re apprehensive about not having an insurance agent’s advice when buying online, this is normal but is quickly overcome. Companies all have toll-free customer service to answer any questions you may have. Most companies also provide extensive coverage information and 24/7 assistance so buying online is not difficult.
Are online premiums lower? Whether or not you’ll save is impossible to say since there may be dozens of rate factors that influence the price you pay. It would make sense to think that buying directly from the company saves money by not requiring a commission. But the fact is, there are very high advertising costs so this can offset any savings.
The only way to know if the best rates are online or from local agents is to compare price quotes from both. It’s not unheard of to actually get different prices when comparing quotes online and from an agent from the same car insurance company.
In the end, you save
As you restructure your insurance plan, it’s a bad idea to buy poor coverage just to save money. There have been many cases where someone dropped liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at the best price while still protecting your assets.
Drivers switch companies for a variety of reasons including being labeled a high risk driver, unfair underwriting practices, poor customer service or even policy non-renewal. No matter why you want to switch, finding a new auto insurance company is easier than you think.
To learn more about auto insurance in Florida
More information is located on the website for the Florida Office of Insurance Regulation. Click here for link. Florida consumers can report car insurance fraud, file complaints about a company, view a list of available companies, and find out which companies have the most complaints.