Alexandria Virginia Insurance Agents – Use Online Tools to Find the Right One

Comparing car insurance companies in Alexandria, VA can be challenging because picking a good Virginia car insurance agent is not as easy as just using the same car insurance agent as your neighbor. Consumers require a highly trained agent, and also affordable rates.

There are many auto insurance agents to purchase coverage from, and though it is a good thing to be able to choose, so many choices can make it hard to locate the cheapest rates.

Online quotes help locate Alexandria agents

Agents can answer important questions and help in the event of a claim. One of the great benefits of price shopping on the web is the fact that you can find the best rates and still choose a local agent.

After filling out this simple form, your information gets sent to participating agents in Alexandria who will give you bids for your business. You won’t need to leave your computer since price quotes are sent to the email address you provide. How cool is that?!

Deciding on a car insurance agent should depend on more than just the bottom line cost. These questions are important to ask:

  • Who are their largest clients?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Are claims handled at the agent’s location?
  • Can they give you a list of client referrals?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Is working in the agency their full-time job?
  • If your car is in the repair shop, do you have coverage for a rental car?

Types of insurance agencies in Alexandria

When searching for a good Alexandria insurance agent, there are a couple of different agency structures from which to choose. Agents are categorized either captive or independent (non-captive). While both can write coverage properly, but it’s important to know how they are different because it can influence the type of agent you choose

Captive Insurance Agents

Captive agents are contracted to one company such as Farmers Insurance or State Farm. Captives cannot compare other company’s rates so they have to upsell other benefits. Captive agencies are well schooled on the products they sell which can be an advantage.

The following are captive agents in Alexandria who may provide you with comparison quotes.

Farmers Insurance Group – 4600 King St # 4p – Alexandria, VA 22302 – (703) 930-1117
State Farm Insurance – 6281 Franconia Rd – Alexandria, VA 22310 – (703) 971-8400
Allstate Insurance – 522 N Patrick St – Alexandria, VA 22314 – (703) 837-0900

Independent Agents

Independent insurance agents do not work for one specific company but rather can write business with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency.

When shopping rates, it’s a good idea to include price quotes from at least one independent agent to have the most options to choose from.

The following is a list of independent insurance agencies in Alexandria that are able to give price quote information.

Raza Insurance – 5501 Cherokee Ave # 204 – Alexandria, VA 22312 – (703) 813-6114
Global Insurance – 6167 Fuller Ct – Alexandria, VA 22310 – (703) 922-9700

To view a complete directory of licensed insurance agents in Alexandria, simply jump to this page.

Once you have satisfactory answers to your questions and an affordable coverage quote, you’ve probably found a car insurance agent that meets your needs to adequately provide car insurance.

Online companies give you options

Auto insurance agents are important, but you also have the option of buying Virginia car insurance from companies direct over the internet. Some specific companies, such as Farmers Insurance and State Farm, who sell through agents in Alexandria also let you buy online, and that is helpful as an alternative to contacting agents.

If you’re uneasy about selecting your own policy coverages when buying online, don’t let it bother you. Online insurance companies that require consumers to choose their own coverages give you access to trained agents for getting advice on proper coverages. In addition, they usually offer anytime access to help and a customer research section to clarify any questions you may have.

Are car insurance rates lower online? It’s difficult to say for sure because there are many factors that influence your rates. Many people think that buying direct saves money because there is no commission. But in most cases, there are very high advertising costs so this can offset any savings.

Better coverage you can count on

When you buy insurance online, it’s not a good idea to buy less coverage just to save a little money. In too many instances, an insured cut liability limits or collision coverage only to regret that it was a big mistake. The ultimate goal is to purchase plenty of coverage at a price you can afford while still protecting your assets.

The cheapest car insurance can be bought both online and with local Alexandria insurance agents, so you should compare both to have the best rate selection. A few companies do not offer online price quotes and most of the time these small, regional companies sell through independent agents.

Additional Virginia car insurance resources

Even more information is located at the Virginia Bureau of Insurance website. Visitors are able to find out industry alerts, learn about insurance regulations, and file complaints about an insurance agent or broker.