If you’re trying to find an insurance agent in Temecula, CA, you can always start your research using online quotes instead of calling around. You need a good agent that listens to you, and also want to find the cheapest rates you can possibly find.
Because there are so many choices of insurance companies, it can be impossible to locate the most cost effective insurer.
When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so this has to be addressed. For example, these questions may help you determine whether or not you would benefit from an agent’s advice.
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent.
Insurance agents can help determine the best coverages and help in the event of a claim. One of the best bonuses of comparing insurance prices online is the fact that you can find the lowest rates and still have an agent to talk to.
After filling out this short form, the quote information is immediately sent to agents in your area who will return price quotes to get your business. There is no reason to drive around as quotes are delivered immediately to your email address. How cool is that?!
Picking an auto insurance agent shouldn’t rely on just a cheap price. Here are some questions to ask:
If you’re trying to find an insurance agent, there are two types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Temecula are either independent or captive. Both types can write coverage properly, but it’s worth learning how they are different because it can impact buying decisions.
These agents can only place business with one company and examples are Liberty Mutual, State Farm, Allstate and AAA. These agents are unable to place coverage with different providers so always compare other rates. Captive agencies receive extensive training on the products they sell which can be an advantage.
Shown below is a list of captive agencies in Temecula who can help you get price quote information.
Allstate Insurance – 27423 Ynez Rd – Temecula, CA 92591 – (951) 676-0480
State Farm Insurance – 43057 Margarita Rd # C104 – Temecula, CA 92592 – (951) 694-5330
Farmers Insurance Group – 43471 Ridge Park Dr # B – Temecula, CA 92590 – (951) 695-9100
Independent agents do not work for one specific company but rather can write business amongst many companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies.
When searching for an agent, it’s recommended you include price quotes from several independent insurance agents to ensure the widest selection of prices.
The following are Temecula independent insurance agents willing to provide price quotes.
Chapman Agency Insurance – 31280 Vescado Dr – Temecula, CA 92592 – (951) 693-9246
Temecula Insurance Group – 41715 Enterprise Cir N – Temecula, CA 92590 – (951) 699-6889
AAA Insurance – 26403 Ynez Rd – Temecula, CA 92591 – (951) 694-9403
For a complete listing of insurance agents in Temecula, please click here.
Upon getting acceptable answers to your questions and an acceptable price quote, you’ve probably found an auto insurance agent that can service your policy.
Local insurance agents are perfect for certain consumers, but California drivers can also buy from online companies direct. A few companies who employ agents also give you the ability to get quotes and purchase online, so that should be considered and can also potentially find you lower rates.
If you’re worried about not getting advice from an agent when buying online, that should not be a issue. Car insurance companies provide access to licensed agents to walk you through the process. You may also access a frequently asked questions page you can access prior to buying.
Will buying online save you money? Many people swear by it, but it’s difficult to answer because there are many factors that influence your rates. It would make sense to think that buying directly from the company cuts out the middleman. But that assumption is generally incorrect because advertising and marketing take a lot of money and that impacts the rates consumers pay.
Additional detailed information is located at the California Department of Insurance website. California drivers can learn about insurance regulations, find out which companies have the most complaints, learn about specific coverages, and download brochures.
Other useful links include NAIC.org’s Understanding your Policy and this page where you can research Temecula insurance agents.
Cheaper auto insurance can be bought from both online companies and also from your neighborhood Temecula agents, and you should be comparing both in order to have the best price selection to choose from. A few companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.
As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed liability coverage limits only to discover later that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.