Online Prices for Daly City California Auto Insurance Companies

When shopping for auto insurance, picking a good California insurance agency is not as easy as just calling the closest agent. Chances are good you’re looking for an excellent agent, but also great rates as well.

With companies like Allstate, Farmers, State Farm and many independent agents having local Daly City offices, consumers have a hard time knowing which one will give you the lowest rates and best service. Thankfully, consumers can get online quotes in order to build a list of insurance agencies and price estimates.

Online quotes help locate Daly City agents

Licensed agents are trained to spot inefficiencies and help in the event of a claim. The biggest benefit of comparing insurance prices online is that you can obtain lower rates but still work with a licensed agent. Supporting small agencies is important particularly in Daly City.

After filling out this short form, your insurance data gets sent to local insurance agents who will compete for your business. There is no need to leave your computer since price quotes are sent immediately to your email address. Now that’s easy! You can find the lowest rates and an insurance agent to talk to.

Captive and independent Daly City auto insurance agents

When researching a good Daly City insurance agent, you must know there are a couple types of insurance agents to choose from. Agencies in Daly City are classified as either independent or captive.

Independent Agents (or Brokers)

These agents are not employed by any specific company but rather can write business amongst many companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies.

When shopping rates, it’s a good idea to include price quotes from at least one independent agent for maximum quote selection. They often place coverage with lesser-known insurance companies who may have lower rates.

Listed below is a short list of independent agents in Daly City that may be able to provide price quote information.

  • E Smartquote Insurance – 355 Gellert Blvd – Daly City, CA 94015 – (650) 991-5657
  • Regency Insurance Svc – 7311 Mission St – Daly City, CA 94014 – (650) 449-0032
  • Cayabyab and Cayabyab Agency – 375 S Mayfair Ave # 208 – Daly City, CA 94015 – (650) 756-3889
Captive Insurance Agents

Captive insurance agents work for only one company such as State Farm or Allstate. These agents are not able to provide prices from multiple companies so keep that in mind. They are trained well on their company’s products which can be an advantage. Consumers sometimes buy insurance from these agents primarily because of the prominence of the brand and solid financial strength.

Shown below are captive agencies in Daly City willing to provide comparison quotes.

  • Allstate Insurance – 375 S Mayfair Ave # 217 – Daly City, CA 94015 – (650) 997-7890
  • State Farm Insurance – 300 Washington St – Daly City, CA 94015 – (650) 757-5791
  • Farmers Insurance Group – 2123 Junipero Serra Blvd # B – Daly City, CA 94014 – (650) 994-1791

For a complete listing of captive insurance agencies in Daly City, please click here.

Selecting a car insurance agent requires more thought than just a low price. These questions are important to ask:

  • How are they compensated?
  • Is assistance available after office hours?
  • Do they feel the quoted coverages are adequate?
  • Are they full-time agents?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Is their price quote a firm figure or are their hidden costs?
  • How long has their agency been in business in Daly City?

Once you have received acceptable answers and a low price estimate, you have narrowed it down to an auto insurance agent that meets your needs to properly service your auto insurance policy.

How do I know if I need professional advice?

When choosing the right insurance coverage, there really is no best way to insure your cars. Everyone’s needs are different.

For instance, these questions might point out whether or not you could use an agent’s help.

  • I don’t drive much so do I pay less?
  • What if I total my vehicle and owe more than it’s worth?
  • Should I buy additional glass protection?
  • What vehicles should carry emergency assistance coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Does having multiple vehicles earn me a discount?
  • Is my babysitter covered when using my vehicle?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent.

Do online insurance companies cost less?

Auto insurance agents are perfect for certain consumers, but you can also buy California car insurance direct online. Certain companies like State Farm and Allstate that sell primarily through agents additionally provide the ability to quote and buy online, and online price comparisons are easy if you don’t want to take the time to contact agents.

If you’re apprehensive about having to choose coverages yourself, don’t be too concerned. All companies all have client service departments to answer any questions you may have.

Can buying online lower your premiums? It’s hard to say exactly because of the fact that insurance companies use many factors that determine your policy premium. It’s logical to say that going direct saves the cost of an agent commission. In reality, advertising budgets are huge and this tends to eat up any savings.

Best coverage at the best price

Lower-priced auto insurance is possible online as well as from independent agents in Daly City, so compare prices from both to have the best chance of lowering rates. Some companies don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

When shopping online for auto insurance, you should never skimp on coverage in order to save money. In many cases, consumers will sacrifice liability coverage limits only to regret that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Informative consumer insurance sites

Additional information can be found on the California Department of Insurance website. Click here for link. California drivers can view agent and company licensing information, find disaster information, find out which companies have the most complaints, and read enforcement actions against agents and companies.

Daly City car insurance

Also read more on these car insurance answers and