How-to Guide to Finding the Best Insurance Agent in High Point

Finding good car insurance in High Point can be challenging since there are a lot of options and selecting the best High Point insurance agency for your needs takes more work than just randomly choosing from the yellow pages. It’s likely you want a decent agent, but also great rates as well.

With insurance companies like American Family, Allstate, State Farm and independent agents all competing for your business, consumers have a hard time knowing which provider will have the lowest rates and best service. To begin, it’s easy to use online quoting to get a list of agents and thier coverage prices.

Buying car insurance locally

Agents can point out coverage gaps and give you someone to call. One of the great benefits of comparing rates online is the fact that you can find lower rates and still choose a local agent. And providing support for local insurance agencies is important especially in High Point.

To help locate an agent, after submitting this simple form, the coverage information is submitted to local insurance agents in High Point who will return price quotes for your coverage. You never need to leave your house since price quotes are sent straight to your inbox. How cool is that?! You can find better rates and a licensed agent to work with.

Best car insurance agent in High Point

If you’re trying to find local High Point agents, there are a couple of types of insurance agents to choose from. Agencies in High Point can either be captive or independent.

Independent Agents

These agents are not locked into one company so they can insure your vehicles with many different companies and possibly get better coverage at lower prices. 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, we recommend you get quotes from multiple independent agents to get the best comparison.Many can place coverage with lesser-known insurance companies who may have lower rates.

Listed below are independent agencies in High Point who may be able to give you price quote information.

  • Protective Agency Inc – 2620 S Main St # 144 – High Point, NC 27263 – (336) 889-7444
  • Womack Agency – 1107 N Main St # 105 – High Point, NC 27262 – (336) 889-5441
  • Norman Insurance Svc – 2121 Eastchester Dr # 103 – High Point, NC 27265 – (336) 885-5333
  • Ancil S Motsinger Insurance – 213 Lindsay St – High Point, NC 27262 – (336) 889-7372
  • Direct General Ins Agency – 2505 N Main St – High Point, NC 27262 – (336) 869-0300
Captive Agents

This type of agents are contracted to one company like AAA, Allstate and State Farm. They usually cannot shop your coverage around so keep that in mind. They receive extensive training on their products and sales techniques which can be an advantage. Some people will only buy insurance from these agents primarily because of loyalty to the company and the convenience of having all coverages with one company.

Shown below is a short list of captive insurance agents in High Point who can help you get rate quotes.

  • Allstate Insurance – 1004 N Main St # 101 – High Point, NC 27262 – (336) 884-5636
  • State Farm Insurance – 9826 Us Highway 311 # 2 – High Point, NC 27263 – (336) 431-1103

To view a full list of captive insurance agencies in High Point, go to this page.

Selecting an auto insurance agent needs to be determined by more than just the premium amount. Ask your prospective agent these questions:

  • Are they full-time agents?
  • Did they already check your driving record and credit reports?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Are you getting all the discounts the company offers?
  • Who is covered by the car insurance policy?
  • Do they assist clients in filing claims?
  • Are there any hidden costs in their price quote and does it include driving and credit history?

Upon receiving positive responses as well as a affordable price, most likely you have located an insurance agent that meets your needs to provide car insurance coverage.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage, there is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions might point out whether or not you will benefit from professional help.

  • Do I qualify for additional discounts?
  • Do all my vehicles need collision coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is North Carolina a no-fault state?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When should my teen driver be added to my policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent.

Aren’t online insurance companies like GEICO cheaper?

Professional insurance agents are indespensible for some people, but you also have the option of buying direct online. A few companies, such as State Farm, Allstate and Farmers, who have local agents in High Point also give you the option to buy direct online, and that is helpful.

If you’re uncomfortable with choosing your own coverages when buying online, this is a normal reaction for first-time shoppers. Auto insurance companies that require consumers to choose their own coverages provide toll-free numbers to answer your questions.

Can you find lower rates online? It’s difficult to provide an answer because of the number of factors that impact your rate calculation. Some people will tell you that purchasing direct online saves by not paying a commission. But the reality is there are very high advertising costs and this drives up their premium costs.

What is YOUR best insurance company?

Consumers leave their current company for many reasons like lack of trust in their agent, policy non-renewal, questionable increases in premium and being labeled a high risk driver. Regardless of your reason for switching companies, choosing a new insurance company is not as difficult as it may seem.

Budget-conscious car insurance is attainable on the web as well as from independent agents in High Point, and you need to comparison shop both to have the best chance of lowering rates. A few companies don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

Some additional reading

Additional car insurance information can be read on the North Carolina Department of Insurance website located here. North Carolina drivers can learn about insurance regulations, read state legal mandates and laws, and learn about specific coverages.

Other related articles: