Best Pricing for Palm Bay Car Insurance Agencies

To find an insurance agent in Palm Bay, FL, you can always begin your search for an agent online rather than picking up the phone. You need a great agent that can assess your needs, and also the best possible rates.

Having so many different company options, it’s difficult to pick the most affordable provider.

Neighborhood insurance agents

Licensed agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of price shopping on the web is you can get the lowest rates but also keep your business local.

Once you complete this short form, your coverage information gets sent to participating agents in Palm Bay who will compete for your coverage. There is no reason to leave your house as quotes are delivered immediately to your email address. How cool is that?!

Selecting an insurance agent shouldn’t rely on just a low price. Ask your prospective agent these questions:

  • Does the company allow you to choose your own collision repair facility?
  • Are you getting all the discounts the company offers?
  • Are claims handled at the agent’s location?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Is working in the agency their full-time job?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • How long has their agency been open in Palm Bay?

Captive and independent Palm Bay insurance agencies

When looking for local Palm Bay agents, there are a couple of types of agencies from which to choose. Agents are categorized either captive or independent (non-captive). While both can properly insure your vehicles, but it’s worth mentioning the difference between them since it can impact your agent selection.

Captive Agents

These agents work for only one company such as State Farm, AAA and Liberty Mutual. They generally cannot provide prices from multiple companies so it’s a take it or leave it situation. Captive agencies are well schooled on their products and sales techniques and that can be a competitive advantage. Some people will only buy insurance from these agents partially due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Shown below is a short list of captive insurance agencies in Palm Bay who may provide you with rate quotes.

  • State Farm Insurance – 1503 Georgia St NE # A – Palm Bay, FL 32907 – (321) 768-9918
  • Allstate Insurance – 5055 Babcock St NE # 5 – Palm Bay, FL 32905 – (321) 723-3720
Independent Agents (or Brokers)

These agents are not required to write business for one company but rather can write business amongst many companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and that require little work on your part. When shopping rates, it’s a good idea to get quotes from at least one independent agent to have the most options to choose from. Many write coverage with smaller companies who may have lower rates.

The following is a short list of independent insurance agents in Palm Bay that are able to give comparison quotes.

  • Harbor Insurance Agency Inc – 5270 Babcock St NE # 7 – Palm Bay, FL 32905 – (321) 952-0136
  • Howell Insurance – 2244 Ladner Rd NE – Palm Bay, FL 32907 – (321) 723-3600
  • Beth Anne Fairchild Insurance – 4951 Babcock St NE # 5 – Palm Bay, FL 32905 – (321) 727-3992

For a complete listing of insurance agents in Palm Bay, visit this site.

Upon getting positive feedback to all your questions as well as a affordable price, you have narrowed it down to an insurance agency that is a good match to insure your vehicles.

Online auto insurance companies

Auto insurance agents are important to many people, but Florida drivers can also buy direct over the internet. Certain auto insurance companies like State Farm and Allstate who sell through the agent channel also allow you to buy a policy online, and consumers should do that.

If you’re worried about not receiving proper advice, this is normal but is quickly overcome. Online companies that allow you to purchase coverage give you access to trained agents you can use to get advice on coverages. You may also access 24/7 live help and a car insurance FAQ section to help with the buying process.

Do online companies have better rates? Many people think so, but it’s hard to say for sure due to the large number of individual components that can increase policy rates. Many people think that a shopper who purchases direct saves money because there is no commission. But in reality, promoting brand recognition is pricey and those expenses can offset most of the savings by selling direct.

Quote often and quote early

The cheapest car insurance can be purchased both online and with local Palm Bay insurance agents, and you should be comparing both to have the best selection. A few companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to regret that it was a big mistake. Your goal should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

More resources for learning

Additional detailed information can be read at the Florida Office of Insurance Regulation website. Florida consumers can find a variety of consumer forms, read state legal mandates and laws, read enforcement actions against agents and companies, and read consumer alerts.

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