Finding the Right Insurance Agency in Charlotte, NC

To find a good insurance agent in Charlotte, NC, you can do an initial search for an agent online in order to save time. You require a professional licensed agent, and also want to find cheaper auto insurance prices.

Drivers have multiple insurance agencies to purchase coverage from, and although it’s a good thing to be able to choose, too many choices makes it more difficult to find the lowest cost provider.

Quote online but still have a local agent

Agents can point out coverage gaps and help in the event of a claim. One of the great benefits of price shopping on the web is you may find better rates but still work with a licensed agent.

To find an agent, once you fill out this form (opens in new window), your information gets sent to participating agents in Charlotte who will compete for your business. You won’t need to drive around since price quotes are sent to the email address you provide. It doesn’t get any easier!

Deciding on an auto insurance agent shouldn’t rely on just the premium amount. Agents should be asked these questions:

  • Are you getting all the discounts the company offers?
  • Are claims handled at the agent’s location?
  • Is working in the agency their full-time job?
  • Are they able to influence company decisions when a claim is filed?
  • Does the company allow you to choose your own collision repair facility?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?

Best insurance agent in Charlotte

When researching an insurance agent, you must know there are a couple different agency structures to choose from. Insurance agencies in Charlotte are classified as either captive or independent. Both types can insure your vehicles, but it’s worth mentioning the difference between them because it can influence the selection process.

Agency Captives

Captive agents can only place business with one company and some examples include Allstate, State Farm and Farmers Insurance. These agents are not able to provide prices from multiple companies so keep that in mind. Captive agents are very knowledgeable on their company’s products which can be an advantage. Some consumers prefer to buy insurance from these agents mostly because of the prominence of the brand and solid financial strength.

Shown below are captive insurance agencies in Charlotte who can help you get rate quotes.

  • Farmers Insurance Group – – Charlotte, NC 28269 – (704) 503-2066
  • State Farm Insurance – 6215 Brookshire Blvd – Charlotte, NC 28216 – (704) 392-4166
  • Liberty Mutual Insurance – 7400 Carmel Executive Park Dr – Charlotte, NC 28226 – (704) 544-9789
  • Allstate Insurance – 9506 Monroe Rd # D – Charlotte, NC 28270 – (704) 845-2671
  • Farm Bureau Insurance – 5118 Princess St – Charlotte, NC 28269 – (704) 597-8333
Independent Agents

Independent agents do not work for one specific company so they have the ability to put coverage with lots of 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 comparing rates, it’s a good idea to get quotes from multiple independent agents for maximum quote selection.Many can place coverage with smaller companies which may provide better rates.

Shown below are Charlotte independent insurance agencies that can give you price quote information.

  • James Agency – 1318 Cavendish Ct – Charlotte, NC 28211 – (704) 442-1223
  • Roger W Craig Insurance – 1427 Emerywood Dr – Charlotte, NC 28210 – (704) 553-2327
  • David F Bradshaw Agency – 6849 Fairview Rd # 100 – Charlotte, NC 28210 – (704) 366-8455
  • Ken Lynch Agency – 11300 Lawyers Rd # B – Charlotte, NC 28227 – (704) 545-7132
  • Mecklenburg Insurance Svc – 3624 Park Rd – Charlotte, NC 28209 – (704) 525-8140

To view a complete directory of auto insurance agents in Charlotte, go to this page.

Once you have positive feedback and a low price estimate, you’ve probably found an insurance agency that meets your needs to properly service your auto insurance policy.

Can you save by buying online?

Professional insurance agents are important, but North Carolina drivers can also buy directly from online companies. Some specific companies who have local Charlotte agents also permit you to buy direct online, and consumers should do that if the lowest rate is your goal.

If you’re concerned about not receiving proper advice when shopping online, don’t let it bother you. Insurance companies that allow you to purchase coverage have toll-free phone numbers and other options that you can contact for information. Many online companies also provide the ability to chat online live with a sales rep and online research to help you make a buying decision.

Will you save money buying auto insurance online? Many people swear by it, but it’s difficult to answer because of the number of factors that are calculated into your premium. You may think that a consumer who buys direct saves money because there is no agent involvement. But truthfully, advertising budgets are huge so the lack of a commission may be a wash.

Find out more about auto insurance

More detailed North Carolina auto insurance information is available at the North Carolina Department of Insurance website. North Carolina drivers can discover disciplinary actions, file complaints about an insurance agent or broker, and read consumer alerts.

Also read more on this page for North Carolina auto insurance and this link where you can get more info about Charlotte auto insurance.

Keep this in mind

People who switch companies do it for a number of reasons such as delays in paying claims, poor customer service, policy non-renewal or even extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new insurance company can be easier than you think.

Cheap auto insurance is available on the web as well as from independent agents in Charlotte, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.