Tips to Finding a Great Insurance Agent in Cape Coral Florida

If you’re trying to find an insurance agent in Cape Coral, Florida, you can start your search by comparing rates online to save time. For the sake of this article, we’ll assume you require not only a good professional insurance agent, but you also want the lowest possible price.

With companies like Allstate, Farmers and State Farm as well as independent agents having local Cape Coral offices, it’s hard to tell which will have the lowest rates and best service. Fortunately, consumers can get online quoting to get a list of insurance agencies to choose from.

Neighborhood insurance agents

Good agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of comparing rates online is you can get better rates but also keep your business local. Supporting local agencies is important particularly in Cape Coral.

By using this simple form, your information gets sent to local insurance agents who will give you bids to get your business. There is no reason to visit any agencies because quoted prices will be sent directly to your email. Now that’s easy!

Cape Coral car insurance agents are either independent or captive

If you’re trying to find a reputable insurance agent or broker, there are two different agency structures that you can select. Insurance agencies in Cape Coral are categorized either independent or captive. While both can do a good job, but it’s good to learn how they differ because it can impact the selection process.

Independent Insurance Agents

Independent agencies are not required to write business for one company so they have the ability to put coverage with lots of companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part. When comparing rates, it’s recommended you include at a minimum one independent agency for the best price selection.

Below is a short list of independent insurance agencies in Cape Coral that are able to give price quote information.

Marc Anthony Agency – 1508 SE 17th Ave # 3 – Cape Coral, FL 33990 – (239) 772-3400
Andy Villalon Jr Agency – 13 Nicholas Pkwy W # A – Cape Coral, FL 33991 – (239) 458-1122
D B Insurance Svc – 5732 Flamingo Dr – Cape Coral, FL 33904 – (239) 549-3436
Steve Delaplane Agency – 3316 Chiquita Blvd S # 2 – Cape Coral, FL 33914 – (239) 540-0606
Cove Insurance – 4935 SW 2nd Pl – Cape Coral, FL 33914 – (239) 540-9370

Captive Insurance Agents

This type of agents have only one company to place business with such as Liberty Mutual, State Farm, Allstate and AAA. They usually cannot shop your coverage around so it’s a take it or leave it situation. These agents receive extensive training on their company’s products which helps them compete with independent agents.

Below are captive insurance agents in Cape Coral willing to provide price quotes.

State Farm Insurance – 923 Del Prado Blvd S # 102 – Cape Coral, FL 33990 – (239) 574-5888
Allstate Insurance – 2801 Del Prado Blvd S – Cape Coral, FL 33904 – (239) 945-8888

For a complete listing of car insurance agents in Cape Coral, simply jump to this page.

Picking an insurance agent shouldn’t rely on just the bottom line cost. These questions are important to ask:

  • Are there any discounts that you might be missing?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • How are they compensated?
  • Is the agency involved in supporting local community causes?
  • Is working in the agency their full-time job?
  • Do they review policy coverages at every renewal?

Upon getting good answers to these questions as well as a affordable price, you have narrowed it down to an insurance agent that can properly service your car insurance policy.

Can you buy online and save?

Car insurance agents serve a purpose, but you also have the option of buying directly from online companies. Even companies who sell through the agent channel also allow consumers to buy direct online, and online price comparisons are easy.

If you’re worried about selecting your own policy coverages when shopping online, that is quite common when buying online the first time. Auto insurance companies provide toll-free numbers to answer your questions. Also available are online help and live chat to help you make a buying decision.

Will auto insurance cost less online? It’s difficult to say for sure due to the fact that there are multiple individual factors that are calculated into your premium. You may think that buying online saves money because there is no commission. But in reality, advertising and marketing take a lot of money and this tends to eat up any savings.

The only way to know whether online companies or local agents have lower rates is to set aside time to compare rates from both. It’s even possible to receive different pricing returned by the same company from their online quote form as compared to an agent.

Cape Coral FL insurance agency

Additional car insurance information is located on the website for the Florida Office of Insurance Regulation found here. Florida consumers can view agent and company licensing information, read enforcement actions against agents and companies, and view a list of available companies.

More quotes mean more savings

Insureds switch companies for a variety of reasons including extreme rates for teen drivers, high prices, policy non-renewal or poor customer service. Regardless of your reason, switching companies can be easier than you think.

When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. There have been many cases where someone dropped physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.