To find a good Hayward agent, it’s recommended you start your research by comparing rates online rather than picking up the phone. You need a good professional insurance agent, and also the cheapest rates you can possibly find.
Drivers have multiple car insurance agents to choose from, and though it is a good thing to have a selection, lots of choices makes it harder to locate the cheapest rates.
Agents can point out coverage gaps and help you file claims. One of the best bonuses of price shopping on the web is you may find better rates but also keep your business local.
To make it easy to find an agent, after completing this quick form, the coverage information is sent to local insurance agents in Hayward who will give you bids to get your business. There is no reason to leave your house since price quotes are sent to the email address you provide. Now that’s easy!
Choosing a car insurance agent should depend on more than just a cheap price. These questions are important to ask:
When finding a local agent, you must know there are a couple types of agencies from which to choose. Hayward agents are either independent (non-captive) or captive. Both types can do a good job, but it’s worth mentioning the difference between them because it can influence your selection of an agent.
Captive agents are contracted to one company such as State Farm or Allstate. These agents are unable to shop your coverage around so always compare other rates. Captive agencies receive extensive training on their products and sales techniques which can be an advantage.
The following are captive insurance agencies in Hayward that can give you price quotes.
Allstate Insurance – 1219 A St – Hayward, CA 94541 – (510) 581-8213
Farmers Insurance Group – 1290 B St # 112 – Hayward, CA 94541 – (510) 537-3500
State Farm Insurance – 374 Jackson St – Hayward, CA 94544 – (510) 581-2414
Independent agents are not required to write business for one company but rather can write business with any number of different companies and potentially find a lower price. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency.
When shopping rates, we recommend you contact several independent insurance agents for the best price selection.
Listed below is a short list of independent insurance agencies in Hayward that can give you rate quotes.
Del-Rose Insurance Svc – 20951 Mission Blvd – Hayward, CA 94541 – (510) 537-7992
Rick Trullinger Insurance – 3401 Investment Blvd # 209 – Hayward, CA 94545 – (510) 781-0944
To view a complete directory of Hayward insurance agents, visit this site.
Once you have good answers and a good coverage price, it’s possible that you found an insurance agency that will properly service your car insurance policy.
Car insurance agents can be invaluable at times, but you can also find affordable California auto insurance direct over the internet. Certain companies who have local agents in Hayward additionally provide the ability to quote and buy online, so this should also be taken into consideration if you prefer not to work with an agent.
If you’re uncomfortable with whether or not you’ll have guidance when buying car insurance direct, that should not be a issue. Online companies that allow you to purchase coverage all have toll-free customer service for getting questions answered.
Do online companies have better rates? It’s difficult to say for sure due to the fact that there are multiple individual factors that determine your policy premium. It’s often assumed that shopping online for auto insurance saves money because there is no agent involvement. For the majority of companies, however, getting their brand in front of customers is expensive and this drives up their premium costs.
The only way to determine whether online companies or local agents have lower rates is to set aside time to compare rates from both. You could possible even receive different price quotes from the same company when comparing online quotes to a quote from an agent.
Drivers leave their current company for many reasons like not issuing a premium refund, being labeled a high risk driver, questionable increases in premium or high rates after DUI convictions. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.
When you buy insurance online, it’s very important that you do not reduce needed coverages to save money. Too many times, consumers will sacrifice physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.
More tips and info about car insurance is available at the California Department of Insurance website. California consumers can view agent and company licensing information, read state legal mandates and laws, download brochures, and read consumer alerts.