If you’re trying to find an insurance agent in Whittier, California, you can start your search by comparing rates online to save time. For the sake of this article, we’ll assume you require not only a good professional insurance agent, but you also want the lowest possible price.
With companies like Allstate, Farmers and State Farm as well as independent agents all competing for your business, consumers have a hard time knowing which one will have the best service and rates. To begin, you can use online quoting to get a list of agents and price estimates.
How to buy car insurance from an agent in Whittier
Good agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of comparing rates online is you can get better rates but also keep your business local. Supporting local agencies is important particularly in Whittier.
By using this simple form, your information gets sent to local insurance agents who will give you bids to get your business. There is no reason to visit any agencies because quoted prices will be sent directly to your email. Now that’s easy!
If you want to view licensed agents in Whittier, simply jump to this page.
Selecting a car insurance agent requires more thought than just the premium amount. Ask your prospective agent these questions:
- Did they already check your driving record and credit reports?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Does the agent have professional designations like CIC, CPCU or AIC?
Once you have acceptable answers to all your questions as well as a affordable price, you have narrowed it down to an insurance agency that meets your needs to provide car insurance coverage.
You have the option to buy car insurance direct online
Professional insurance agents can be invaluable at times, but you can also find affordable California auto insurance direct from companies that only sell online. A few companies, such as Farmers Insurance and State Farm, who have local Whittier agents also give you the ability to get a quote and buy online, and that can save time if you’re trying to lower your rates.
If you’re worried about having to choose coverages yourself, don’t be too concerned. All companies all have toll-free customer service for answering any questions you have.
If the lowest price is important, the best way to know if the cheapest policy comes from an agent or online is making fair comparisons of each of their rates. It’s possible to get different rates from the same company from their agents and their website. It’s difficult to tell whether the best rates are online or from an agent unless you actually compare identical quotes utilizing both methods.
Is pricing better online? That is a tough question to answer since companies use quite a few components that are calculated into your premium. It’s often assumed that shopping online for auto insurance cuts out the middleman. But that assumption is generally incorrect because promoting brand recognition is pricey and this tends to eat up any savings.
Additional information can be found on the California Department of Insurance website. Click here for link. Consumers can view agent and company licensing information, read enforcement actions against agents and companies, and view a list of available companies.
More quotes mean more savings
Drivers leave their current company for a variety of reasons including extreme rates for teen drivers, high prices, policy non-renewal and poor customer service. Regardless of your reason for switching companies, finding a great new company is pretty simple and you could end up saving a buck or two.
As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. There have been many situations where an insured dropped liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage for the lowest price while still protecting your assets.