Chula Vista California Car Insurance Agents – Things you Need to Know

If you’re trying to find a good insurance agent in Chula Vista, CA, it’s recommended you do the preliminary legwork by comparing prices online instead of making phone calls. Consumers require an excellent agent, but also need the lowest rates in Chula Vista.

Since consumers have many options, it’s nearly impossible to locate the most affordable company.

Local Chula Vista auto insurance agents

Agents can answer important questions and give you peace of mind. The best thing about comparing insurance prices online is you can get lower rates but also keep your business local.

After completing this quick form, your coverage information is submitted to companies in Chula Vista who will return price quotes for your business. You don’t have to leave your computer since price quotes are sent to your email. Now that’s easy!

Choosing a car insurance agent shouldn’t rely on just a low price. Any agent should have no problem answering these questions:

  • Who is covered by the car insurance policy?
  • Are they full-time agents?
  • How much will you save each year by using a higher deductible?
  • Do they receive special compensation for putting your coverage with one company over another?
  • How long has their agency been in business in Chula Vista?

Compare rates from both independent and captive auto insurance agents

When searching for a good insurance agency, there are a couple of different agency structures that you can select. Chula Vista agents are categorized either independent (non-captive) or captive. While both can properly insure your vehicles, but it’s good to learn how they differ since it may influence buying decisions.

Captive Agents

Captive insurance agents can only place business with one company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. Captives cannot provide prices from multiple companies so it’s a take it or leave it situation. Captive agencies are trained well on the products they sell which can be an advantage. Some consumers prefer to choose to use a captive agent mainly due to loyalty to the company and strong financial ratings.

The following is a list of captive agencies in Chula Vista who may provide you with comparison quotes.

  • Allstate Insurance – 1458 Melrose Ave – Chula Vista, CA 91911 – (619) 409-1760
  • Farmers Insurance Group – 1165 3rd Ave – Chula Vista, CA 91911 – (619) 409-5055
Independent Agents

Independent insurance agents are not required to write business for one company but instead can place your coverage with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, your agent can switch companies and you don’t have to find a new agent.

When shopping rates, it’s recommended you get quotes from at a minimum one independent agency 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 Chula Vista that can give you price quotes.

  • Coffeen Insurance – 453 C St – Chula Vista, CA 91910 – (619) 422-9223
  • Golden Tree Insurance – 549 H St # B – Chula Vista, CA 91910 – (619) 409-9444
  • Johnson Amos Jr Agency – 815 3rd Ave – Chula Vista, CA 91911 – (619) 420-3713

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

Once you have received good answers to these questions and an acceptable price quote, you may have just found an auto insurance agent that meets your needs to adequately provide auto insurance.

Also consider buying auto insurance direct

Licensed agents are indespensible for some people, but California car insurance can also be bought directly from online companies. A few companies, such as Farmers Insurance and State Farm, that sell primarily through agents also let you get quotes and purchase online, and that can save time if you prefer not to work with an agent.

If you’re anxious about not receiving proper advice when buying direct, this is expected but don’t let that bother you. All companies all have toll-free customer service for answering any questions you have. They also offer online help and live chat that you can use before buying.

The only way to determine where you can get the lowest rate, either online or from agents, is to get price quotes for both. It’s even possible to receive different pricing for the same auto insurance company from their agents and their website.

Does car insurance cost less online? Many people think so, but it’s hard to say for sure because there are many factors that can increase policy rates. It’s logical to say that buying car insurance online saves the commission normally paid to an agent. In reality, the cost of constant advertising is expensive so the lack of a commission may be a wash.

More tips and info about auto insurance can be read at the California Department of Insurance website. California consumers can find out industry alerts, get help finding coverage, learn about specific coverages, and file complaints about a company.

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A tidy conclusion

Insureds leave their current company for a number of reasons such as policy non-renewal, lack of trust in their agent, poor customer service and even policy cancellation. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.

California insurance agent

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped physical damage coverage only to regret at claim time that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.