Pomona, CA Auto Insurance Agency Pricing Compared

When buying auto insurance in Pomona, you have many choices and selecting the best Pomona car insurance agent for your needs takes more work than just calling the closest agent. Consumers need an excellent agent, but also competitive auto insurance rates.

Online insurance companies like State Farm, GEICO and Farmers Insurance all claim big savings with ads and it is difficult to sift through the bull and do the work needed to find the best deal.

Online quotes help locate Pomona agents

Educated insurance agents can help determine the best coverages and help file insurance claims. One of the best bonuses of comparing insurance prices online is that you can obtain the lowest rates and still have an agent to talk to.

For easy comparison, once you complete this short form, the coverage information is instantly submitted to local insurance agents in Pomona who will compete to get your business. You don’t have to leave your house as quotes are delivered directly to your email. Now that’s easy!

Picking an auto insurance agent needs to be determined by more than just the bottom line cost. Some important questions to ask are:

  • Which members of your family are coverage by the policy?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Do they review policy coverages at every renewal?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Does the agency support the community they serve?
  • Are there any discounts that you might be missing?
  • How much will you save each year by using a higher deductible?
  • What insurance companies do they work with?

Different types of Pomona auto insurance agents

When looking for a reputable insurance agent or broker, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Pomona are classified as either independent or captive. Both types can write coverage properly, but it’s worth learning how they are different since it can impact the selection process.

Captive Insurance Agents

Captive insurance agents write business for a single company and examples are AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot provide prices from multiple companies so they have no alternatives for high prices. Captives are usually quite knowledgeable in insurance sales which can be an advantage.

Listed below are Pomona captive insurance agencies willing to provide price quotes.

Allstate Insurance – 445 N Garey Ave # 1 – Pomona, CA 91767 – (909) 397-9374
State Farm Insurance – 4 Village Loop Rd # B9 – Pomona, CA 91766 – (909) 622-1121

Independent Agents (or Brokers)

Independent agents are not locked into one company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent.

When comparison shopping, it’s a good idea to contact several independent insurance agents to ensure the widest selection of prices.

The following are independent agencies in Pomona who can help you get comparison quotes.

Califa Financial and Insurance – 2133 N Towne Ave – Pomona, CA 91767 – (909) 455-0400
Awesome Insurance Group – 1652 S Garey Ave – Pomona, CA 91766 – (909) 865-5000
Busby Agency – 2055 N Garey Ave # 7 – Pomona, CA 91767 – (909) 392-7277

For a full directory of licensed insurance agents in Pomona, visit this site.

Upon getting reasonable responses for all questions you ask and a low price estimate, you’ve probably found an insurance agency that is a good match to insure your vehicles.

Online companies are an option

Insurance agents are indespensible for some people, but California drivers can also buy directly from online companies. A few companies like Allstate and State Farm who sell through agents in Pomona also allow consumers to buy a policy online, and that is helpful if you are the do-it-yourself type.

If you’re anxious about choosing your own coverages when buying car insurance direct, this is normal but is quickly overcome. All companies all have client service departments for answering any questions you have.

Are online premiums lower? Many people swear by it, but it’s difficult to answer since companies use quite a few components that impact your rate calculation. You may think that buying direct saves money because there is no agent involvement. For the majority of companies, however, getting their brand in front of customers is expensive so the rates may be similar to buying from an agent.

If you’re not set on any one company, the best way to find out if agents have better prices than online companies is to compare price quotes from both. You can actually get different rates from the exact same provider when comparing online quotes to a quote from an agent. You won’t know where you can get the lowest rates unless free rate quotes are compared both ways.

Pomona insurance banner

More detailed California auto insurance information can be read at the California Department of Insurance website. California drivers can discover disciplinary actions, read enforcement actions against agents and companies, learn about specific coverages, and read state legal mandates and laws.

Compare but don’t skimp

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find for the lowest price while still protecting your assets.

People who switch companies do it for any number of reasons including lack of trust in their agent, poor customer service, being labeled a high risk driver and 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.