Pricing Comparisons for Vallejo California Car Insurance Companies

Finding good car insurance in Vallejo can be challenging since there are a lot of options and finding the best California insurance agency is harder than just calling the closest agent. You need a highly trained agent, but also the lowest rates for car insurance in Vallejo.

There are many insurance agencies to buy insurance from, and even though it’s nice to have a selection, it makes it harder to compare rates.

Do I just need basic coverages?

When buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions might help in determining if you could use an agent’s help.

  • Where can I get insurance after a DUI in California?
  • Should I drop comprehensive coverage on older vehicles?
  • When do I need to add a new car to my policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • What can I do if my company won’t pay a claim?
  • Should I buy only the required California minimum liability coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is the minimum liability in California?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent.

Buying car insurance locally

Licensed agents can help determine the best coverages and give you peace of mind. One of the best bonuses of getting online price quotes is the fact that you can find lower rates and still choose a local agent.

For easy comparison, once you complete this form (opens in new window), the quote information is instantly submitted to agents in your area who will compete for your business. You never need to leave your house since price quotes are sent to the email address you provide. Now that’s easy! You’ll get the best rates and work with a local agent.

Choosing an insurance agent requires more thought than just the bottom line cost. Some important questions to ask are:

  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do they assist clients in filing claims?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Did they already check your driving record and credit reports?
  • What insurance companies do they recommend if they are an independent agent?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • What insurance companies do they work with?

What types of insurance agencies are in Vallejo?

When finding a reliable agent, there are two types of agencies that differ in how they can insure your vehicles. Agents are classified as either captive or independent.

Captive Insurance Agents

Captive agents write business for a single company such as State Farm, AAA and Liberty Mutual. Captives cannot shop your coverage around so keep that in mind. Captive agents are usually quite knowledgeable in insurance sales and that can be a competitive advantage. Consumers frequently choose to use a captive agent mostly because of high brand loyalty and strong financial ratings.

The following is a short list of captive agents in Vallejo willing to provide comparison quotes.

  • Allstate Insurance – 1310 Tennessee St – Vallejo, CA 94590 – (707) 554-4477
  • State Farm Insurance – 1041 Redwood St – Vallejo, CA 94590 – (707) 642-4453
  • Farmers Insurance Group – 400 Santa Clara St # 210 – Vallejo, CA 94590 – (707) 553-8939
Independent Agents

These agents do not work for one specific company but rather can write business with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally and that require little work on your part. When searching for an agent, we recommend you include price quotes from multiple independent agents to ensure the widest selection of prices. Many write coverage with lesser-known insurance companies which can be an advantage.

The following is a list of independent insurance agencies in Vallejo that are able to give rate quotes.

  • AAA Insurance – 1183 Admiral Callaghan Ln – Vallejo, CA 94591 – (707) 552-0592
  • Go Insurance – 3618 Sonoma Blvd – Vallejo, CA 94590 – (707) 552-0554

To view a full list of insurance agents in Vallejo, please click here.

Once you have good answers for all questions you ask as well as a affordable price, most likely you have located a car insurance agent that can insure your vehicles.

Can you find lower rates by buying online?

Licensed agents can be invaluable at times, but you can also find affordable California auto insurance from companies direct over the internet. Some specific companies who have local agents in Vallejo additionally provide the ability to buy direct on their websites, and that is helpful.

If you’re apprehensive about not having an insurance agent’s advice when buying direct, that should not be a issue. Online companies all provide contact methods that you can contact for information. Many online companies also provide live chat and online tools that can help answer basic questions.

Do people save by buying online? That question is hard to answer since companies use quite a few components which can raise or lower premium rates. Some people will tell you that shopping online for auto insurance saves money because there is no agent involvement. But the fact is, there are high advertising and marketing costs so this can offset any savings.

Additional car insurance links

More tips and info about car insurance can be read at the California Department of Insurance website. Visitors are able to find out industry alerts, report car insurance fraud, read industry bulletins, and view a list of available companies.

More effort can pay off

Cheaper car insurance can be bought both online as well as from independent agents in Vallejo, and you should be comparing both to get a complete price analysis. Some insurance companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Vallejo agents

When shopping online for car insurance, make sure you don’t reduce coverage to reduce premium. There have been many cases where consumers will sacrifice full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.