How to Find the Perfect Insurance Agent in Santa Rosa California

When finding a good insurance agent in Santa Rosa, CA, it’s recommended you do the preliminary legwork by comparing prices online instead of making phone calls. Consumers require a good professional insurance agent, and also cheap rates.

Drivers have so many insurance agents to buy insurance from, and even though it’s nice to have a selection, it can be more difficult to find a good deal.

Your insurance agent down the street

Educated insurance agents can answer important questions and help you file claims. One of the great benefits of getting online price quotes is you may find the best rates but also keep your business local.

After completing this form (opens in new window), the quote information is immediately sent to insurance agents in Santa Rosa who will compete for your business. There is no need to drive around because quoted prices will be sent to the email address you provide. How’s that for easy! It’s the lowest rates without the usual hassles of price shopping.

Picking an insurance agency should depend on more than just a low price. Some important questions to ask are:

  • If you are a high risk driver, do they have special markets for your coverage?
  • How are they compensated?
  • How long has their agency been open in Santa Rosa?
  • If you have an accident, will your rates go up?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Are you getting all the discounts the company offers?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Can they give you a list of client referrals?

The type of auto insurance agent you choose is important

When searching for a reputable insurance agent or broker, you need to know there are two types of insurance agents from which to choose. Agencies in Santa Rosa are categorized either independent (non-captive) or captive.

Agency Captives

These agents can only place business with one company and examples are State Farm or Allstate. They are unable to give you multiple price quotes so they have no alternatives for high prices. They receive extensive training on the products they sell which helps them compete with independent agents.

Below is a short list of captive agents in Santa Rosa that are able to give price quotes.

Allstate Insurance – 4623 Sonoma Hwy – Santa Rosa, CA 95409 – (707) 539-3004
State Farm Insurance – 822 College Ave # A – Santa Rosa, CA 95404 – (707) 527-7773
Farmers Insurance Group – 100 Stony Point Rd # 250 – Santa Rosa, CA 95401 – (707) 526-2033

Independent Agents (or Brokers)

Independent agencies do not work for one specific company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies. When comparison shopping, you should always get quotes from several independent insurance agents for maximum quote selection.

Listed below is a list of independent insurance agencies in Santa Rosa willing to provide price quote information.

Northwest Insurance Agency Inc – 418 B St # 100 – Santa Rosa, CA 95401 – (707) 573-1300
Auto Saver Plus Agency – 3581 Industrial Dr – Santa Rosa, CA 95403 – (707) 544-5088
Miller Agency – 2455 Bennett Valley Rd – Santa Rosa, CA 95404 – (707) 523-0541
Reid Loveland Insurance Svc – 4000 Montgomery Dr # G – Santa Rosa, CA 95405 – (707) 522-6320
Barber Insurance – 620 College Ave – Santa Rosa, CA 95404 – (707) 526-7900

To view a complete directory of car insurance agents in Santa Rosa, visit this site.

Upon getting reasonable responses to any questions you have and a good coverage price, you may have just found a car insurance agent that can properly service your car insurance policy.

Alternatives to local agents

Professional insurance agents serve a purpose, but you also have the option of buying California car insurance direct over the internet. Even companies like State Farm and Allstate who sell through agents in Santa Rosa also permit you to buy a policy online, and online price comparisons are easy if you prefer to buy online.

If you’re anxious about not having an insurance agent’s advice when shopping online, this is a normal reaction for first-time shoppers. Online car insurance companies that allow you to purchase coverage have toll-free phone numbers and other options for answering any questions you have. They also have live help and an extensive research center to clarify any questions you may have.

Can you find lower rates online? Whether or not you’ll save is impossible to say because there are many factors that impact your rate calculation. It’s often assumed that a shopper who purchases direct cuts out the middleman. But that assumption is generally incorrect because the cost of constant advertising is expensive and that can cost more than having to pay agents.

California agents

Additional detailed information is located at the California Department of Insurance website. California consumers can find disaster information, read enforcement actions against agents and companies, read state legal mandates and laws, and learn about insurance regulations.

And the best car insurance company is…

Lower-priced car insurance can be purchased on the web and with local Santa Rosa insurance agents, and you should be comparing both to have the best selection. Some insurance providers do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.

Drivers change insurance companies for many reasons like policy cancellation, not issuing a premium refund, being labeled a high risk driver or even high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.