Basic Steps to Find an Insurance Agent in Elk Grove

When buying car insurance in Elk Grove, you have many choices and picking a good California auto insurance agent is more difficult than just calling the closest agent. Chances are good you’re looking for an excellent agent, but also the lowest possible price.

With insurance companies like American Family, Allstate, State Farm and Farmers having offices in Elk Grove, it’s difficult to determine which one will provide the best service and rates. Fortunately, consumers can use online price quotes to build a list of agencies and price estimates.

How to compare Elk Grove car insurance rates

Educated insurance agents can point out coverage gaps and give you peace of mind. The biggest benefit of comparing rates online is you can get the best rates but also keep your business local. And providing support for local agencies is definitely important in Elk Grove.

For easy comparison, once you complete this simple form, the coverage information is instantly submitted to companies in Elk Grove who will give you bids for your coverage. You never need to leave your computer because quoted prices will be sent directly to your email. How’s that for easy!

Below is a short list of auto insurance agents in Elk Grove that may be able to provide price quotes.

Elkgrove Insurance – 9045 Elk Grove Blvd, Elk Grove, CA 95624 – (916) 685-2696
Farmers Insurance Group – 4815 Laguna Park Dr # A, Elk Grove, CA 95758 – (916) 395-3939
Allstate Insurance – 8937 Elk Grove Blvd, Elk Grove, CA 95624 – (916) 686-4663
State Farm Insurance – 8788 Elk Grove Blvd # A, Elk Grove, CA 95624 – (916) 685-3973
Jon Bush Insurance Svc – 9153 Elk Grove Blvd, Elk Grove, CA 95624 – (916) 714-3938

Picking a car insurance agent should depend on more than just the premium amount. Ask your prospective agent these questions:

  • What insurance companies do they recommend if they are an independent agent?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • If you have an accident, will your rates go up?
  • Does the company allow you to choose your own collision repair facility?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

Once you have reasonable responses to your questions and an affordable coverage quote, most likely you have located an insurance agency that can properly service your car insurance policy.

Don’t exclude online companies

Auto insurance agents are important, but California consumers also have the option to buy from companies direct over the internet. Some car insurance companies that are more known for using agents, also allow consumers to buy direct on their websites, and that can save time if you prefer not to work with an agent.

If you’re worried about not having professional advice when buying car insurance direct, that shouldn’t be an issue. Insurance companies provide toll-free numbers you can use to get advice on coverages. Additionally, most companies also offer live chat and online tools to help with the buying process.

Are online rates lower? That is a tough question to answer due to the large number of individual components which can adversely affect your policy premium. It’s logical to say that going direct cuts out the middleman. For most online online companies, however, marketing their products costs a lot of money and that can cost more than having to pay agents.

The only way to determine if the best rates are online or from local agents is getting rates for as many of both types of providers as possible. It’s fairly common that you receive different coverage costs for the same auto insurance company from their online quote form as compared to an agent.

Much more information about car insurance in California can be read on the website for the California Department of Insurance located here. California drivers can find out which companies have the most complaints, find out industry alerts, get help finding coverage, and report car insurance fraud.

Best insurance agents in Elk Grove

More quotes mean more savings

As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where an insured dropped full coverage and discovered at claim time they didn’t purchase enough coverage. Your focus should be to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

People switch companies for any number of reasons including not issuing a premium refund, delays in paying claims, unfair underwriting practices or even high prices. Regardless of your reason, choosing a new insurance company is not as hard as you think.