Sunnyvale Auto Insurance Company 101

If you’re trying to find a good insurance agent in Sunnyvale, CA, you can always do the preliminary legwork by comparing rates online to save time. You need a competent insurance agent, and also the best price on auto insurance.

Because there are so many companies and agents to choose from, it can be challenging to locate the cheapest insurer.

Quote online but work with a neighborhood agent

Professional agents can point out coverage gaps and give you someone to call. The biggest benefit of getting online price quotes is the fact that you can find the lowest rates and still choose a local agent.

Upon completion of this short form, your coverage information gets sent to companies in Sunnyvale who will battle to get your business. There is no reason to visit any agencies due to the fact that quote results will go straight to your inbox. How’s that for easy! You’ll get the best rates and a licensed agent to work with.

Picking an auto insurance agent shouldn’t rely on just a low price. Agents should be asked these questions:

  • Can they give you a list of client referrals?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Do they carry Errors and Omissions coverage?
  • What insurance companies do they recommend if they are an independent agent?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Does the agency support the community they serve?
  • Is vehicle mileage a factor when determining depreciation for repairs?

What types of auto insurance agents are in Sunnyvale?

When finding a good insurance agency, you must know there are a couple types of insurance agents to choose from. Sunnyvale agents are either captive or independent (non-captive).

Captive Insurance Agents

Captive agencies write business for a single company and some examples include Allstate, AAA, Liberty Mutual and State Farm. They generally cannot shop your coverage around so they have no alternatives for high prices. These agents are trained well in insurance sales which helps them compete with independent agents.

The following is a short list of captive agencies in Sunnyvale willing to provide rate quotes.

Farmers Insurance Group – 355 W Olive Ave – Sunnyvale, CA 94086 – (408) 738-9999
Allstate Insurance – 525 W Remington Dr # 110 – Sunnyvale, CA 94087 – (408) 739-6950
State Farm Insurance – 510 S Mathilda Ave # 1 – Sunnyvale, CA 94086 – (408) 739-4392

Independent Insurance Agents

These agents are not locked into one company but instead can place your coverage with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent.

When comparing rates, we recommend you include several independent insurance agents for the best price selection.

Listed below are independent insurance agents in Sunnyvale who can help you get price quotes.

Fitzpatrick Agency – 260 S Sunnyvale Ave # 5 – Sunnyvale, CA 94086 – (408) 736-5395
Nelson-Nelson Insurance Svc – 422 S Murphy Ave # 4 – Sunnyvale, CA 94086 – (408) 736-5455
Total Solutions Insurance Inc – 745 S Mary Ave – Sunnyvale, CA 94087 – (408) 830-9300

To view a full list of Sunnyvale insurance agents, visit this link.

After receiving positive responses and an affordable coverage quote, it’s possible that you found an auto insurance agent that can adequately provide auto insurance.

Can you save by buying online?

Local insurance agents are important to many people, but you can also find affordable California auto insurance direct from companies online. Some car insurance companies that are more known for using agents, also let you buy a policy online, and online price comparisons are easy and can also potentially find you lower rates.

If you’re uncomfortable with choosing your own coverages, don’t be too concerned. All companies give you access to trained agents to help you decide which coverages are appropriate. You may also access live help and 24/7 access to make it easier to purchase.

Are online companies cheaper? Many people swear by it, but it’s difficult to answer due to the fact that there are many factors that impact your final bill. You may think that shopping online for auto insurance cuts out the middleman. But in reality, online and traditional media advertising are expensive and that can quickly cost more than paying an agent.

Sunnyvale CA insurance company

More detailed California auto insurance information is located at the California Department of Insurance website. Consumers can file complaints about an insurance agent or broker, view a list of available companies, and report car insurance fraud.

More comparisons equals lower rates

Drivers who switch companies do it for any number of reasons including extreme rates for teen drivers, high prices, denial of a claim or high rates after DUI convictions. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.

Cheaper auto insurance can be bought both online and also from your neighborhood Sunnyvale agents, so you should be comparing quotes from both to get a complete price analysis. A few companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.