When finding a good insurance agent in Ontario, CA, it’s recommended you start your search on the internet rather than looking in the yellowpages. Consumers require a great agent that can assess your needs, and also want to find the lowest rates for auto insurance in Ontario.
Insurance companies such as Allstate, Liberty Mutual and State Farm constantly bombard you with ads and it can be hard to avoid their marketing magic and do the work needed to find the best deal.
Professional agents can answer important questions and help file insurance claims. One of the great benefits of getting online price quotes is you can get the best rates and still have an agent to talk to.
Upon completion of this quick form, the coverage information gets sent to agents in your area who will battle for your business. You never need to leave your computer as quotes are delivered to the email address you provide. It doesn’t get any easier! You can find better rates and a licensed agent to work with.
Choosing an insurance agent should depend on more than just the premium amount. Some important questions to ask are:
When researching an insurance agent, you need to know there are two different agency structures to choose from. Insurance agencies in Ontario are classified as either independent (non-captive) or captive.
These agents work for only one company like AAA, Allstate and State Farm. They are unable to shop your coverage around so always compare other rates. Captive agencies are usually quite knowledgeable on the products they sell which helps them compete with independent agents. Consumers sometimes purchase coverage from captives primarily because of high brand loyalty and solid financial strength.
Listed below is a list of captive insurance agencies in Ontario who can help you get price quotes.
Independent insurance agents are not employed by any specific company but instead can place your coverage with any number of different companies depending on which coverage is best. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies. When shopping rates, you should always include price quotes from at least one independent agent for maximum quote selection. They also have the ability to place coverage with smaller companies who may have lower rates.
Below is a list of independent agencies in Ontario that are able to give price quote information.
To view a full list of licensed insurance agents in Ontario, simply jump to this page.
Once you have good answers to any questions you have as well as a affordable price, you have narrowed it down to an insurance agency that meets your needs to service your policy.
Car insurance agents serve a purpose, but you can also buy California car insurance direct from companies that only sell online. Some companies who sell through agents in Ontario additionally provide the ability to buy online, and that is helpful if you prefer not to work with an agent.
If you’re uneasy about not having an agent to talk to, this is normal but is quickly overcome. Online companies that allow you to purchase coverage have customer service departments you can use to get advice on coverages. They also offer extensive coverage information and 24/7 assistance to help with the buying process.
Will buying online save you money? The answer to that question is complicated because of the number of factors which can raise or lower premium rates. Many people think that buying online prevents the agent from taking a cut. In reality, advertising and marketing take a lot of money and those expenses can offset most of the savings by selling direct.
Low-cost auto insurance can be purchased online as well as from independent agents in Ontario, and you need to comparison shop both to have the best selection. A few companies don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.
Insureds switch companies for any number of reasons including denial of a claim, high prices, delays in responding to claim requests or policy non-renewal. Regardless of your reason, finding a great new company is not as difficult as it may seem.
Even more information is available at the California Department of Insurance website. Consumers can file complaints about an insurance agent or broker, file complaints about a company, and learn about insurance regulations.