Lower Rates from Fremont Auto Insurance Companies

Comparing auto insurance rates in Fremont can be a lot of work since you have many choices and finding the best California auto insurance agent takes more work than just using the same car insurance agent as your neighbor. There is a good chance you’re not only searching for a decent agent, but you also need the lowest possible price.

With companies like American Family, Allstate, State Farm and independent agents having local Fremont offices, it’s hard to tell which will provide the best rates, service and coverage. To help decide, it’s easy to use online price quotes to get a list of insurance agencies to choose from.

How to compare Fremont auto insurance rates

Licensed agents can help determine the best coverages and give you someone to call. One of the great benefits of price shopping on the web is you can get the lowest rates and still have an agent to talk to. And providing support for local insurance agencies is important particularly in Fremont.

For easy comparison, once you complete this short form, your information is transmitted to local insurance agents in Fremont who will battle to get your business. There is no need to visit any agencies as quotes are delivered straight to your inbox. How cool is that?!

Best insurance agency in Fremont

When searching for a local agent, you need to know there are two different agency structures that you can select. Agencies in Fremont can either be captive or independent (non-captive). While both can write coverage properly, but it’s important to know the difference between them since it may influence the selection process.

Independent Agents (or Brokers)

These agents are not required to write business for one company but rather can write business with any number of different companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent. When comparison shopping, it’s recommended you include at least one independent agent for the best price selection.

Listed below is a short list of independent insurance agencies in Fremont who may be able to give you price quotes.

Amy Huang Agency – 4510 Peralta Blvd # 5 – Fremont, CA 94536 – (510) 713-8086
Value Insurance Svc LLC – 43136 Christy St – Fremont, CA 94538 – (510) 490-7815
Sonny Hubbard Agency – 3833 Peralta Blvd # C – Fremont, CA 94536 – (510) 792-9040
Daphne Lau Insurance – 43195 Mission Blvd – Fremont, CA 94539 – (510) 668-1895
Suzan Pheley Agency – 46850 Warm Springs Blvd – Fremont, CA 94539 – (510) 490-8400

Agency Captives

This type of agents are contracted to one company such as State Farm, Allstate and AAA. They usually cannot provide prices from multiple companies so they have to upsell other benefits. These agents are very knowledgeable on their company’s products which can be an advantage.

Below is a short list of captive agencies in Fremont willing to provide price quote information.

Farmers Insurance Group – 40000 Fremont Blvd # F – Fremont, CA 94538 – (510) 226-1070
Allstate Insurance – 3100 Capitol Ave # E – Fremont, CA 94538 – (510) 797-4611
State Farm Insurance – 38750 Paseo Padre Pkwy # A-3 – Fremont, CA 94536 – (510) 791-8611

For a complete listing of auto insurance agents in Fremont, view this link.

Picking an insurance agent needs to be determined by more than just the premium amount. Agents should be asked these questions:

  • Will your rates increase after a single accident?
  • Are they properly licensed to sell insurance in California?
  • How long have they worked with personal auto insurance coverage?
  • How long has their agency been open in Fremont?
  • Are they able to influence company decisions when a claim is filed?

Once you have received positive responses to all your questions and a low price estimate, most likely you have located an auto insurance agent that meets your needs to provide auto insurance coverage.

Include online companies when price shopping

Insurance agencies are indespensible for some people, but California drivers can also buy direct over the internet. Even companies like Allstate and State Farm who have local agents in Fremont also let you buy direct online, so that should be considered if the lowest rate is your goal.

If you’re worried about selecting your own policy coverages when buying direct, this really isn’t an issue. Insurance companies that allow you to purchase coverage give you access to trained agents you can use to get advice on coverages. Most companies also provide the ability to chat online live with a sales rep and online research that you can use before buying.

Is car insurance cheaper online? Whether or not you’ll save is impossible to say due to the fact that there are multiple individual factors that can increase policy rates. It’s logical to say that buying direct reduces premiums because there is no agent. In many cases, promoting brand recognition is pricey and this drives up their premium costs.

One last thing about your coverage

As you restructure your insurance plan, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where an insured cut liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

free Fremont insurance quote

The cheapest auto insurance can be found both online and with local Fremont insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.

Additional information can be read on the website for the California Department of Insurance found here. California consumers can find a variety of consumer forms, learn about specific coverages, and get help finding coverage.

The articles below may also help you learn more about auto insurance in Fremont