Takoma Park Auto Insurance Agents – Make the Right Choice

When searching for a licensed insurance agent in Takoma Park, you can always start your research online in order to save time. It’s assumed you want a decent agent, but you also want to find the best rates possible.

With Allstate, Farmers and State Farm as well as independent agents having offices in Takoma Park, it can be hard to know which insurance agent will provide you with the best rates, service and coverage. Fortunately, you can use insurance quotes online to get a list of agencies from which to choose.

Price shop online but buy from a local Takoma Park agent

Licensed agents can help determine the best coverages and give you someone to call. One of the great benefits of getting online price quotes is that you can obtain the lowest rates but still work with a licensed agent. And providing support for local agencies is important especially in Takoma Park.

To find an agent, once you fill out this simple form, your coverage information is submitted to agents in your area who will return price quotes for your coverage. You won’t need to visit any agencies due to the fact that quote results will go to the email address you provide. Now that’s easy!

If you wish to view licensed agents in Takoma Park, visit this site.

Selecting an insurance agency shouldn’t rely on just the bottom line cost. Any agent should have no problem answering these questions:

  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do they carry Errors and Omissions coverage?
  • Which insurance companies are they affiliated with?
  • What is the agency’s Better Business Bureau rating?
  • What are the financial ratings for the companies they represent?
  • If they are an independent agency, which companies do they recommend?

Once you have received satisfactory answers to these questions and an acceptable price quote, most likely you have located an insurance agency that meets your needs to properly insure your vehicles.

Can you find lower rates by buying online?

Insurance agencies serve a purpose, but Maryland car insurance can also be bought direct online. Some car insurance companies like State Farm and Allstate who sell through the agent channel also allow you to buy a policy online, so this should also be taken into consideration if you prefer not to work with an agent.

If you’re anxious about choosing your own coverages when buying direct, don’t be too concerned. Auto insurance companies all have client service departments that you can contact for information.

When shopping for low rates, the only way to find out if local insurance agents or online providers are cheaper is to take the time to compare rates from both. Lots of times people will get different prices from the SAME company when they compare quotes from both.

Is it cheaper to buy online? That is a tough question to answer because of the fact that insurance companies use many factors that are calculated into your premium. Common sense would say that a customer who purchases direcly from an online company cuts out the agent as a middleman. But in most cases, there are high advertising and marketing costs and this drives up their premium costs.

Read more about Maryland car insurance

More information can be read on the Maryland Insurance Administration website through this link. Maryland drivers can find out industry alerts, read consumer alerts, find out which companies have the most complaints, and read industry bulletins.

The following articles may also be useful.

compare Takoma Park Maryland insurance agents

Keep this in mind

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In many instances, someone sacrificed full coverage to discover at claim time they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the best price, not the least amount of coverage.

Insureds switch companies for a variety of reasons including poor customer service, policy cancellation, lack of trust in their agent or even not issuing a premium refund. No matter why you want to switch, switching car insurance companies is pretty simple and you could end up saving a buck or two.