To locate a good insurance agent in Largo, Florida, you can do an initial search for an agent online in order to save time. Most likely that not only do you want a decent agent, but you also need affordable coverage.
With Allstate, Farmers and State Farm as well as independent agents having offices in Largo, it’s hard to tell which provider will provide the best service and rates. Thankfully, consumers can get online price quotes to get a list of agencies and thier coverage prices.
Why do I need an agent?
Agents can help determine the best coverages and help file insurance claims. One of the great benefits of comparing insurance prices online is that you can obtain the lowest rates and still choose a local agent. And supporting local businesses is important especially in Largo.
After completing this quick form, your insurance coverage information is submitted to local insurance agents who will give you bids to get your business. There is no reason to leave your computer as quotes are delivered immediately to your email address. How’s that for easy! You can find the lowest rates AND a local agent.
What types of insurance agents are in Largo?
When looking for a good Largo insurance agent, you must know there are a couple different types of agents to choose from. Agencies in Largo are classified as either captive or independent (non-captive).
Independent Insurance Agents
These agents are not employed by any specific company so they can insure your vehicles with any number of different companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part.
When searching for an agent, we recommend you get quotes from multiple independent agents to ensure the widest selection of prices.
Below is a list of independent agents in Largo who may be able to give you rate quotes.
Mitchell Agency Inc – 14290 Walsingham Rd – Largo, FL 33774 – (727) 595-2529
Bill Rogers Insurance – 7801 Starkey Rd – Largo, FL 33777 – (727) 397-0406
Joan Anderson Insurance Inc – 1101 Belcher Rd S # I – Largo, FL 33771 – (727) 535-8077
Barry Scarr Agency – 13030 Park Blvd – Largo, FL 33776 – (727) 393-5055
Jean Cowan Agency – 11401 Seminole Blvd – Largo, FL 33778 – (727) 393-9146
Captive Insurance Agents
Captive insurance agents have only one company to place business with and examples are State Farm, Allstate and AAA. They generally cannot place coverage with different providers so they are skilled at selling on more than just price. These agents are trained well on their products and sales techniques which helps them compete with independent agents.
Shown below is a list of captive insurance agents in Largo who can help you get rate quotes.
Allstate Insurance – 10883 Ulmerton Rd – Largo, FL 33778 – (727) 584-6604
State Farm Insurance – 1101 Belcher Rd S – Largo, FL 33771 – (727) 536-1995
Liberty Mutual Insurance – 7249 Bryan Dairy Rd – Largo, FL 33777 – (727) 768-0202
To view a complete directory of auto insurance agents in Largo, go to this page.
Picking an auto insurance agent should depend on more than just a low price. Ask your prospective agent these questions:
- Do they regularly work with personal auto policies?
- Did they already check your driving record and credit reports?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Is working in the agency their full-time job?
- Does the agency have a good rating with the Better Business Bureau?
- How long have they worked with personal auto insurance coverage?
- What will you get paid if your car is a total loss? How is that amount determined?
- What are the financial ratings for the companies they represent?
After receiving acceptable answers to your questions as well as a affordable price, chances are good that you have found an insurance agent that will properly service your auto insurance policy.
Do online insurance companies have better rates?
Local insurance agents are indespensible for some people, but Florida drivers can also buy from online companies direct. Certain companies that sell primarily through agents additionally provide the ability to buy direct on their websites, and consumers should do that if the lowest rate is your goal.
If you’re uneasy about choosing your own coverages when buying car insurance direct, don’t let it bother you. Online car insurance companies provide customer service to answer your questions.
Can buying online lower your premiums? Many people swear by it, but it’s difficult to answer because there are so many things that impact your premium. Some people will tell you that shopping direct lowers rates due to not having any agent compensation. But in reality, advertising and marketing take a lot of money so the lack of a commission may be a wash.
More comparisons equals lower rates
Lower-priced auto insurance can be found from both online companies as well as from independent agents in Largo, and you need to price shop both to have the best selection. Some insurance providers don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.
While you’re price shopping online, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where an insured dropped collision coverage only to discover later that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.
Much more information about auto insurance in Florida is located on the website for the Florida Office of Insurance Regulation. Click here for link. Visitors are able to learn about insurance regulations, find disaster information, find a variety of consumer forms, and file complaints about a company.
Additional helpful sites include this resource for Florida auto insurance prices and this link which helps you find a Largo agent.