How to Get the Best Insurance Agent in Sacramento California

If you’re looking to buy car insurance, there are a lot of options and finding the best California auto insurance agent takes more work than just calling the closest agent. It’s likely you’re wanting a great agent that can assess your needs, but you also want to find great rates as well.

With companies like Farmers, Allstate, and independent agents having local Sacramento offices, it’s hard to tell which will provide you with the best rates, service and coverage. Fortunately, consumers can use insurance quotes online to get a list of insurance agencies to choose from.

Save time by quoting online

Agents are trained to spot inefficiencies and help in the event of a claim. The best thing about price shopping on the web is you can get the best rates and still have an agent to talk to. And supporting local insurance agencies is important particularly in Sacramento.

For easy comparison, once you complete this simple form, your insurance coverage information is immediately sent to companies in Sacramento who will battle for your business. There is no need to even leave your home as quotes are delivered to the email address you provide. How cool is that?!

Auto insurance agents in Sacramento come in two varieties

When searching for a local agent, there are a couple of types of insurance agents to choose from. Agencies in Sacramento are categorized either independent (non-captive) or captive. Both types can write coverage properly, but it’s worth mentioning how they are different since it can impact your selection of an agent.

Independent Insurance Agents

These agents are not locked into one company but instead can place your coverage with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage and you won’t have to switch agencies. When searching for an agent, it’s a good idea to include price quotes from several independent insurance agents to get the best comparison.

Listed below are Sacramento independent insurance agents that can give you price quote information.

Mitch Taylor Insurance – 3350 Watt Ave – Sacramento, CA 95821 – (916) 971-3623
Nationwide Insurance – 9343 Tech Center Dr # 185 – Sacramento, CA 95826 – (916) 363-0630
Borges Agency – 1451 River Park Dr # 148 – Sacramento, CA 95815 – (916) 927-5563
David Kelly Agency – 510 Bercut Dr # F – Sacramento, CA 95814 – (916) 447-9797
Bill Parker Agency – 4528 Millrace Rd – Sacramento, CA 95864 – (916) 486-0783

Captive Insurance Agents

These agents can only place business with one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. Captives cannot shop your coverage around so always compare other rates. Captive agents are very knowledgeable on the products they sell which can be an advantage.

Shown below are captive insurance agencies in Sacramento willing to provide price quotes.

Allstate Insurance – 2020 Hurley Way # 225 – Sacramento, CA 95825 – (916) 920-4362
Farmers Insurance Group – 5687 Stockton Blvd – Sacramento, CA 95824 – (916) 737-2886
California Farm Bureau Fed – 1127 11th St – Sacramento, CA 95814 – (916) 446-4647
Liberty Mutual Insurance – 1750 Howe Ave – Sacramento, CA 95825 – (916) 564-1792
State Farm Insurance – 3110 Fulton Ave – Sacramento, CA 95821 – (916) 482-9227

For a complete listing of car insurance agents in Sacramento, visit this site.

Picking an insurance agent shouldn’t rely on just the bottom line cost. Agents should be asked these questions:

  • Are they able to influence company decisions when a claim is filed?
  • Is their price quote a firm figure or are their hidden costs?
  • If they are an independent agency, which companies do they recommend?
  • Do they specialize in personal lines coverage?
  • Does the agency provide any after hours assistance?
  • Do they assist clients in filing claims?
  • How much will you save each year by using a higher deductible?

Upon getting acceptable answers for all questions you ask and an acceptable price quote, chances are good that you have found an insurance agency that is a good match to provide car insurance coverage.

Can you save by buying online?

Insurance agents are perfect for certain consumers, but you can also find affordable California auto insurance direct from companies that only sell online. Some specific companies like Allstate and State Farm who sell through agents in Sacramento also let you get quotes and purchase online. This is something to consider to possibly find a better rate.

If you’re worried about whether or not you’ll have guidance when shopping online, don’t sweat it. Insurance companies have toll-free phone numbers and other options to answer any questions you may have. Also available are a frequently asked questions page to help you answer questions.

Are online companies cheaper? It’s difficult to provide an answer because of the number of factors that can increase policy rates. It’s logical to say that buying online saves money because there is no agent involvement. But truthfully, it’s expensive to advertise so there may not be significant savings.

More comparisons equals lower rates

Affordable car insurance can be sourced both online in addition to many Sacramento insurance agents, so compare prices from both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Sacramento California car insurance agents

As you shop your coverage around, make sure you don’t reduce needed coverages to save money. In many cases, consumers will sacrifice physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at a price you can afford while still protecting your assets.

Much more information about car insurance in California is available on the website for the California Department of Insurance through this link. Consumers can download brochures, find out industry alerts, and find out which companies have the most complaints.

The following information may also be useful.