Find an Auto Insurance Agent in Costa Mesa California

If you’re looking to buy auto insurance, you have many choices and finding the best California insurance agency is more difficult than just making a phone call. Consumers require an excellent agent, but also need decent rates too.

Many auto insurance agents compete for your hard-earned dollar, and because of this it can be hard to compare insurance agents to find the absolute best rate

Your local neighborhood insurance agent

Licensed agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of price shopping on the web is you can get the best rates but also keep your business local.

To make it easy to find an agent, after completing this form (opens in new window), your information is immediately sent to insurance agents in Costa Mesa who will give you bids for your business. There is no need to leave your house because quoted prices will be sent immediately to your email address. How cool is that?!

Choosing an insurance agent should depend on more than just the premium amount. These questions are important to ask:

  • Is assistance available after office hours?
  • Do they feel the quoted coverages are adequate?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Are there any discounts that you might be missing?
  • Do they review policy coverages at every renewal?
  • How long have they worked with personal auto insurance coverage?

Choose the right auto insurance agent

When researching a good insurance agency, there are a couple of different types of agents that you can select. Costa Mesa agents can either be captive or independent (non-captive). Either one can do a good job, but it’s important to know how they are different since it can impact your selection of an agent.

Captive Insurance Agents

Captive agents are contracted to one company and examples are Allstate, AAA, Liberty Mutual and State Farm. They usually cannot shop your coverage around so they have no alternatives for high prices. Captive agencies are very knowledgeable on their products and sales techniques which helps them compete with independent agents.

Listed below are captive insurance agencies in Costa Mesa willing to provide price quote information.

American Family ADM Fnncl – 2706 Harbor Blvd – Costa Mesa, CA 92626 – (714) 437-1776
Allstate Insurance – 1670 Santa Ana Ave # D – Costa Mesa, CA 92627 – (949) 645-8288
Farmers Insurance Group – 600 Baker St # 357 – Costa Mesa, CA 92626 – (714) 424-6032
State Farm Insurance – 2482 Newport Blvd # 10 – Costa Mesa, CA 92627 – (949) 631-1080

Independent Insurance Agents

Independent insurance agents are not locked into one company but instead can place your coverage with any number of different companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally and that require little work on your part. When shopping rates, it’s recommended you contact at least one independent agent to ensure the widest selection of prices.

Below are Costa Mesa independent agents that are able to give price quote information.

Herrero Agency – 811 W 19th St – Costa Mesa, CA 92627 – (949) 650-6843
Aboveboard Insurance Svc – 2584 Newport Blvd – Costa Mesa, CA 92627 – (949) 631-5512
Best Value Insurance Svc – 2346 Newport Blvd – Costa Mesa, CA 92627 – (949) 631-8678

To view a full list of insurance agents in Costa Mesa, please view this page.

Once you have received acceptable answers to these questions and a good coverage price, you’ve probably found an insurance agency that can insure your vehicles.

Does buying direct online get me lower rates?

Licensed agents are indespensible for some people, but you can also buy California car insurance direct online. Certain companies that are more known for using agents, additionally provide the ability to buy a policy online, and that is helpful.

If you’re apprehensive about choosing your own coverages when buying online, that is quite common when buying online the first time. Insurance companies provide options to answer your questions. Most companies also provide online education and live help anytime you can access prior to buying.

Is pricing better online? That is a tough question to answer because there are so many things that are calculated into your premium. Common sense would say that buying car insurance online saves money by not requiring a commission. But the fact is, the cost of constant advertising is expensive and that impacts the rates consumers pay.

And the best car insurance company is…

Lower-priced auto insurance can be bought both online and with local Costa Mesa insurance agents, so you should compare both to have the best rate selection. Some insurance companies do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

Locate Costa Mesa CA insurance agents

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. Too many times, someone dropped comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your goal should be to get the best coverage possible at a price you can afford while still protecting your assets.

Even more information can be found at the California Department of Insurance website. Consumers can file complaints about a company, discover disciplinary actions, get help finding coverage, and find disaster information.

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