Guide to Finding an Insurance Agent in Cary, NC

Finding good auto insurance in Cary can be challenging since you have many choices and selecting the best Cary auto insurance agent for your needs takes more work than just picking up the phone. For this article’s sake, it’s assumed you not only want a professional licensed agent, but you also need great rates as well.

With insurance companies like Allstate, Farmers and State Farm as well as independent agents having offices in Cary, it’s difficult to determine which provider will provide you with the best rates, service and coverage. Fortunately, consumers can use insurance quotes online to build a list of agencies and thier coverage prices.

Local Cary agents and auto insurance

Licensed agents can help determine the best coverages and give you someone to call. One of the best bonuses of comparing insurance prices online is you can get the best rates but still work with a licensed agent. Buying from local insurance agencies is important particularly in Cary.

Upon completion of this quick form, your insurance coverage information is transmitted to companies in Cary who will return price quotes to get your business. There is no reason to drive around since price quotes are sent to your email. How’s that for easy!

Listed below is a list of auto insurance agents in Cary that may be willing to give rate quotes.

  • James O Perry Jr Agency Inc – 106 Brady Ct, Cary, NC 27511 – (919) 467-5530
  • Allstate Insurance Co – 104 1/2 New Waverly Pl # D, Cary, NC 27518 – (919) 851-0624
  • Pelnik Insurance – 511 Keisler Dr, Cary, NC 27511 – (919) 858-9901
  • ACF Insurance Svc – , Cary, NC 27511 – (919) 467-1007
  • State Farm Insurance – 1815 Kildaire Farm Rd # B, Cary, NC 27518 – (919) 851-0151

To view a complete directory of Cary insurance agents, click here to link.

Choosing an auto insurance agent requires more thought than just the price. These questions are important to ask:

  • Is the agent and/or agency licensed to do business in North Carolina?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Do they make recommendations based only on price?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Will your rates increase after a single accident?
  • Is the agency involved in supporting local community causes?
  • Does the agency provide any after hours assistance?
  • Which company do they place the most coverage with?

After receiving satisfactory answers as well as a affordable price, most likely you have located an insurance agency that is a good match to service your policy.

Are online companies an option?

Car insurance agents can be invaluable at times, but North Carolina drivers can also buy from companies direct over the internet. Even companies who have local agents in Cary also give you the ability to buy direct on their websites, so this should also be taken into consideration.

If you’re anxious about not having someone to ask questions when shopping online, don’t be too concerned. Car insurance companies that require consumers to choose their own coverages provide access to licensed agents you can use to get advice on coverages. They also offer help pages and frequently asked questions to help you make a buying decision.

Do online companies provide lower prices? It’s difficult to say for sure because of the fact that insurance companies use many factors that are calculated into your premium. Common logic is that a customer who purchases direcly from an online company saves the commission normally paid to an agent. In reality, the cost of constant advertising is expensive and this tends to eat up any savings.

Additional consumer information websites

More information is located on the North Carolina Department of Insurance website through this link. Visitors are able to get help finding coverage, read enforcement actions against agents and companies, and view agent and company licensing information.

Summing up your auto insurance search

As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. In too many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage for the lowest price while still protecting your assets.

Cost effective auto insurance can be bought from both online companies as well as from independent agents in Cary, and you should compare price quotes from both to get a complete price analysis. Some insurance companies don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.