Tips to Finding a Great Insurance Agent in Hesperia

If you’re looking for a good insurance agent in Hesperia, California, it’s recommended you do the preliminary legwork on the internet to save yourself time. We’re assuming you’re looking for a highly trained agent, but you also need the lowest possible price.

With companies like State Farm, Allstate and Farmers Insurance all competing for business in Hesperia, consumers have a hard time knowing which insurance agency will provide the cheapest rates and the best coverage. Fortunately, it’s easy to use online price quotes to build a list of insurance agents from which to choose.

Price shop online but buy from a local Hesperia agent

Licensed agents can answer important questions and help submit paperwork. One of the best bonuses of price shopping on the web is you may find the best rates but still work with a licensed agent. Buying from local insurance agencies is especially important in Hesperia.

After completing this quick form, the coverage information is emailed to participating agents in Hesperia who will return price quotes to get your business. You won’t need to leave your house due to the fact that quote results will go immediately to your email address. Now that’s easy! Get lower rates without the usual hassles of price shopping.

The different types of insurance agents

If you’re trying to find local Hesperia agents, there are two different types of agents that differ in how they can insure your vehicles. Agencies in Hesperia are classified as either independent or captive.

Independent Agencies or Brokers

Independent agents are not locked into one company but rather can write business with many different companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part. When comparing rates, it’s a good idea to include price quotes from at a minimum one independent agency to have the most options to choose from. Most have the option of insuring with different regional companies which can be an advantage.

Listed below is a short list of independent insurance agents in Hesperia willing to provide rate quotes.

  • Insurance Pros – 16211 Main St – Hesperia, CA 92345 – (760) 949-5538
  • R and V Insurance Svc – 16211 Bear Valley Rd – Hesperia, CA 92345 – (760) 244-1422
Agency Captives

This type of agents are contracted to one company such as State Farm, Allstate and AAA. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. They are well schooled on their company’s products which helps them sell insurance even at higher premiums. Consumers sometimes choose to use a captive agent mostly because of the brand legacy and solid financial strength.

Below is a short list of captive agents in Hesperia that are able to give price quote information.

  • Farmers Insurance Group – 14608 Main St – Hesperia, CA 92345 – (760) 947-1250
  • Allstate Insurance – 16501 Walnut St # 1 – Hesperia, CA 92345 – (760) 956-3308
  • State Farm Insurance – 16925 Main St # C – Hesperia, CA 92345 – (760) 244-8808

For a full directory of captive agencies in Hesperia, go to this page.

Selecting an insurance agency shouldn’t rely on just the premium amount. Here are some questions to ask:

  • Will their companies depreciate repairs to your car based on the mileage?
  • Do they specialize in personal lines coverage?
  • Did they already check your driving record and credit reports?
  • Who are their largest clients?
  • Is assistance available after office hours?
  • How often do they review policy coverages?
  • Do they receive special compensation for putting your coverage with one company over another?

Once you have received reasonable responses to your questions in addition to an acceptable price estimate, most likely you have located a car insurance agent that will provide car insurance coverage.

Online companies give you options

Insurance agents are indespensible for some people, but you also have the option of buying from online companies direct. Some car insurance companies, such as State Farm, Allstate and Farmers, who sell through the agent channel also allow consumers to get quotes and purchase online, and that is helpful if finding the best price is important.

If you’re concerned about having to choose coverages yourself when shopping online, that is quite common when buying online the first time. Online companies that require consumers to choose their own coverages give you access to trained agents to answer any questions you may have. Also available are 24/7 live help and a car insurance FAQ section so you can feel comfortable buying online.

When trying to find the best rates, the only way to determine if local insurance agents or online providers are cheaper is to make apples-to-apples comparisons of both. It’s even possible to receive different pricing from online quotes as compared to agent rates from the same insurance company.

Does coverage cost less online? Whether or not you’ll save is impossible to say because of the fact that insurance companies use many factors that impact your rate calculation. It’s a logical assumption that a shopper who purchases direct lowers rates due to not having any agent compensation. But the reality is it’s expensive to advertise and that can cost more than having to pay agents.

Informative consumer insurance sites

Additional car insurance information can be found on the California Department of Insurance website found here. California drivers can read enforcement actions against agents and companies, learn about specific coverages, file complaints about an insurance agent or broker, and find a variety of consumer forms.

quotes for Hesperia California insurance

A tidy conclusion

Consumers change insurance companies for many reasons like poor customer service, unfair underwriting practices, high rates after DUI convictions or an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new insurance company is not as difficult as it may seem.

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice physical damage coverage only to regret that it was a big error on their part. Your aim should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.