Online Tools to Find a Car Insurance Agent in Long Beach, CA

To locate a good Long Beach agent, we recommend you do an initial search using online quotes instead of making phone calls. You need a decent agent, but also the best price on auto insurance.

Companies like State Farm, Allstate, GEICO and Progressive all claim big savings, bombarding you with TV and radio ads and it is challenging if not impossible to ignore the flashy ads and find the best price available.

Buying auto insurance from a local Long Beach agent

Good agents can point out coverage gaps and give you peace of mind. One of the best bonuses of price shopping on the web is you may find lower rates and still choose a local agent.

Once you complete this form (opens in new window), the quote information is immediately sent to agents in your area who will battle for your insurance coverage. There is no reason to even leave your home as quotes are delivered to the email address you provide. Now that’s easy! You can find better rates and work with a local agent.

Deciding on an insurance agent requires more thought than just the price. These are valid questions to ask:

Are claim adjusters local or do you have to take your car somewhere else?
Does the agent have professional designations like CIC, CPCU or AIC?
What are the financial ratings for the companies they represent?
How long has their agency been in business in Long Beach?
Are you getting all the discounts the company offers?

Auto insurance agents in Long Beach come in two varieties

If you’re trying to find a good Long Beach insurance agent, there are two types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Long Beach can either be independent (non-captive) or captive.

Agency Captives

These agents can only write with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Captives cannot shop your coverage around so they are skilled at selling on more than just price. Captives are usually quite knowledgeable on the products they sell and that can be a competitive advantage. Consumers frequently purchase coverage from captives partially due to high brand loyalty and the convenience of having a single billing for all their coverages.

Listed below is a list of captive agencies in Long Beach willing to provide rate quotes.

State Farm Insurance – 6700 E Pacific Coast Hwy – Long Beach, CA 90803 – (562) 594-8800
Farmers Insurance Group – 5855 E Naples Plz # 204 – Long Beach, CA 90803 – (562) 434-4466
Allstate Insurance – 249 E Ocean Blvd # 710 – Long Beach, CA 90802 – (562) 285-2891

Independent Insurance Agents

These agents do not work for one specific company but instead can place your coverage with multiple insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies and you won’t have to switch agencies. When comparison shopping, it’s recommended you contact several independent insurance agents to get the best comparison. Most have the option of insuring with lesser-known insurance companies which may provide better rates.

Below is a list of independent agencies in Long Beach that are able to give comparison quotes.

James Hilson Agency – 5520 E 2nd St # H – Long Beach, CA 90803 – (562) 987-2550
Pino Insurance – 2750 N Bellflower Blvd # 100 – Long Beach, CA 90815 – (562) 249-0130
Ortiz Insurance – 4182 N Viking Way – Long Beach, CA 90808 – (562) 425-9882
Miranda Agency Inc – 5848 E Naples Plz – Long Beach, CA 90803 – (562) 434-8440
Hanley Agency – 5520 E 2nd St # A – Long Beach, CA 90803 – (714) 842-3432

For a complete listing of auto insurance agents in Long Beach, please click here.

Upon getting positive responses and a good coverage price, it’s possible that you found an auto insurance agent that can adequately provide auto insurance.

Buying direct is an option

Car insurance agents are important, but you can also find affordable California auto insurance direct from companies that only sell online. Some car insurance companies, such as State Farm, Allstate and Farmers, who have local agents in Long Beach also give you the ability to get quotes and purchase online, and that is helpful if you are the do-it-yourself type.

If you’re concerned about having to choose coverages yourself when buying online, this is expected but don’t let that bother you. Online companies that allow you to purchase coverage all provide contact methods that you can contact for information. In addition, they usually offer online education and live help anytime so you can feel comfortable buying online.

Are car insurance rates lower online? Many people think so, but it’s hard to say for sure since there may be dozens of rate factors that influence the price you pay. You may think that purchasing direct online lowers rates due to not having any agent compensation. For most online online companies, however, online and traditional media advertising are expensive so the rates may be similar to buying from an agent.

More comparisons equals lower rates

People switch companies for many reasons like not issuing a premium refund, high prices, policy cancellation and even an unsatisfactory settlement offer. It doesn’t matter what your reason, switching auto insurance companies can be easy and end up saving you some money.

Affordable auto insurance is available from both online companies in addition to many Long Beach insurance agents, so you should compare both to have the best chance of lowering rates. Some companies do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

Consumer auto insurance information in California

Additional detailed information can be read at the California Department of Insurance website. California consumers can find out which companies have the most complaints, view a list of available companies, and learn about insurance regulations.

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