How-to Guide to Finding a Car Insurance Agent in Compton

When buying auto insurance in Compton, finding the best California insurance agent is not as easy as just picking up the phone. You need a good professional insurance agent, and also want to find decent rates too.

Companies like Progressive, GEICO and Farmers Insurance all claim big savings with ad campaigns and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

Quote online, buy local

Agents are trained to spot inefficiencies and help you file claims. One of the great benefits of price shopping on the web is you can get better rates and still have an agent to talk to.

To make it easy to find an agent, after completing this short form, your information is transmitted to local insurance agents who will compete to get your business. You won’t need to drive around because quoted prices will be sent directly to your email. Now that’s easy!

Choosing an insurance agent requires more thought than just a cheap price. Agents should be asked these questions:

  • Is assistance available after office hours?
  • Did they already check your driving record and credit reports?
  • Is the agency involved in supporting local community causes?
  • Can they give you a list of client referrals?
  • Do they regularly work with personal auto policies?

Types of insurance agents

If you’re trying to find a reputable insurance agent or broker, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Compton agents are categorized either captive or independent. Either one can insure your vehicles, but it’s worth mentioning how they are different because it can influence the selection process.

Agency Captives

Captive agents can only place business with one company and examples are Farmers Insurance or State Farm. They are unable to place coverage with different providers so it’s a take it or leave it situation. They are usually quite knowledgeable in insurance sales and that can be a competitive advantage.

Shown below is a list of captive insurance agencies in Compton that can give you rate quotes.

State Farm Insurance – 1214 N Wilmington Ave – Compton, CA 90222 – (310) 632-9810

Independent Agents

Independent agents do not work for one specific company but rather can write business amongst many companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and that require little work on your part. When comparing rates, it’s a good idea to contact several independent insurance agents to have the most options to choose from.

Shown below is a short list of independent agencies in Compton that are able to give price quote information.

Rock Insurance – 321 E Compton Blvd – Compton, CA 90221 – (310) 632-9248
Nationwide Insurance – 200 E Compton Blvd – Compton, CA 90220 – (310) 604-6077

To view a full list of insurance agents in Compton, visit this site.

Upon receiving good answers in addition to an acceptable price estimate, chances are good that you have found an insurance agency that can provide auto insurance coverage.

Does buying direct online get me lower rates?

Auto insurance agents are indespensible for some people, but California consumers also have the option to buy directly from online companies. Even companies that are more known for using agents, also give you the option to get quotes and purchase online, and that can save time if you are the do-it-yourself type.

If you’re uncomfortable with not getting proper coverage when buying car insurance direct, don’t be too concerned. All companies that require consumers to choose their own coverages provide customer service for getting the best coverage. Additionally, most companies also offer 24/7 live help and a car insurance FAQ section so you can feel comfortable buying online.

Are car insurance rates lower online? That is a tough question to answer because there are many components that are calculated into your premium. Common logic is that buying direct saves money by not requiring a commission. In reality, getting their brand in front of customers is expensive and that can cost more than having to pay agents.

Compton California insurance agencies

More detailed California auto insurance information is located at the California Department of Insurance website. Consumers can learn about specific coverages, file complaints about a company, and read industry bulletins.

Final thoughts

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. In many instances, an insured cut liability limits or collision coverage only to discover later that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at the best price while still protecting your assets.

Cheap auto insurance can be purchased from both online companies in addition to many Compton insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.