How-to Guide to Finding a Car Insurance Agent in Murrieta California

When searching for a licensed insurance agent in Murrieta, you can always do an initial search on the internet instead of calling around. We’re guessing you want an excellent agent, but you also want to find the lowest possible price.

With companies like Allstate, Farmers, State Farm and many independent agents all competing for your business, consumers have a hard time knowing which provider will provide the best service and rates. Fortunately, you can use online price quotes in order to build a list of agents and thier coverage prices.

Car Insurance from Murrieta insurance agents

Agents can point out coverage gaps and help submit paperwork. The biggest benefit of getting online price quotes is you may find the lowest rates and still have an agent to talk to. And providing support for local agencies is important particularly in Murrieta.

By using this simple form, your coverage information is emailed to agents in your area who will compete for your business. There is no reason to leave your house due to the fact that quote results will go straight to your inbox. Now that’s easy!

Not all auto insurance agents are the same

If you’re trying to find a reliable agent, you need to know there are two types of agencies from which to choose. Agents are classified as either independent (non-captive) or captive. Both types can insure your vehicles, but it’s worth mentioning how they differ because it can impact your selection of an agent.

Independent Agents

Independent agencies are not required to write business for one company but rather can write business with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency.

When searching for an agent, it’s recommended you include price quotes from at a minimum one independent agency to ensure the widest selection of prices.Many can place coverage with smaller regional carriers who may have lower rates.

Shown below are independent insurance agencies in Murrieta willing to provide rate quotes.

  • Foundation Insurance Svc – 41120 Elm St # 212 – Murrieta, CA 92562 – (951) 677-6450
  • Hagar Insurance – 41891 Kalmia St – Murrieta, CA 92562 – (951) 677-3631
Captive Insurance Agents

Captive insurance agents have only one company to place business with such as Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to shop your coverage around so they are skilled at selling on more than just price. Captive agencies are trained well in insurance sales which helps them compete with independent agents. Consumers sometimes purchase coverage from captives primarily because of loyalty to the company and the convenience of having all coverages with one company.

The following is a short list of captive agents in Murrieta that can give you rate quotes.

  • Allstate Insurance – 39413 Los Alamos Rd # D – Murrieta, CA 92563 – (951) 600-0068
  • Farmers Insurance Group – 39872 Los Alamos Rd # A2 – Murrieta, CA 92562 – (951) 696-7555
  • State Farm Insurance – 40365 Murrieta Hot Springs Rd – Murrieta, CA 92563 – (951) 461-4979

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

Deciding on an auto insurance agent should depend on more than just a low price. Any agent should have no problem answering these questions:

  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Is the agency involved in supporting local community causes?
  • Which insurance companies are they affiliated with?
  • If you have an accident, will your rates go up?
  • Which company do they place the most coverage with?
  • What is the agency’s Better Business Bureau rating?

Upon receiving answers to your satisfaction in addition to an acceptable price estimate, you’ve probably found a car insurance agent that can provide auto insurance coverage.

But what about Progressive, GEICO and other online companies?

Car insurance agents are perfect for certain consumers, but you can also find affordable California auto insurance directly from online companies. Certain auto insurance companies that sell primarily through agents also give you the ability to quote and buy online, so keep that in mind as an alternative to contacting agents.

If you’re uneasy about not having professional advice, don’t sweat it. All companies have customer service departments for getting the best coverage. In addition, they usually offer extensive coverage information and 24/7 assistance to help you make a buying decision.

Is pricing better online? Many people think so, but it’s hard to say for sure since there may be dozens of rate factors that influence how your policy is priced. Many people think that buying online saves money by not requiring a commission. But the reality is promoting brand recognition is pricey so rates may not be all that different from traditional agents.

Additional auto insurance information can be read on the California Department of Insurance website located here. Consumers can learn about insurance regulations, find out industry alerts, read industry bulletins, and view a list of available companies.

Also read more on’s auto insurance page and this page for help finding agents in Murrieta, CA.

Summing up your auto insurance search

Drivers who switch companies do it for any number of reasons including lack of trust in their agent, questionable increases in premium, policy non-renewal or being labeled a high risk driver. It doesn’t matter why you want to switch switching companies is easier than you think.

Lower-priced auto insurance is attainable on the web and also from your neighborhood Murrieta agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.