Tips to Finding the Best Auto Insurance Agent in El Monte

To locate a good El Monte agent, it’s recommended you do an initial search for an agent online to save yourself time. For the sake of this article, we’ll assume you want a great agent that can assess your needs, but also affordable coverage.

With companies like independent agents, Allstate and State Farm having local El Monte offices, it’s hard to tell which provider will provide the cheapest rates and the best coverage. To begin, it’s easy to use online price quotes to build a list of insurance agencies and thier coverage prices.

Online price comparisons from El Monte agents

Insurance agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of price shopping on the web is you can get the best rates and still choose a local agent. And providing support for local businesses is definitely important in El Monte.

To find an agent, once you fill out this simple form, your insurance coverage information is instantly submitted to companies in El Monte who will battle for your coverage. There is no need to drive around due to the fact that quote results will go immediately to your email address. How cool is that?! You can find better rates AND a local agent.

Insurance agent types

When looking for a reputable insurance agent or broker, you must know there are a couple types of insurance agents that you can select. Agents can either be captive or independent.

Independent Agents (or Brokers)

Independent agencies are not required to write business for one company but instead can place your coverage amongst many companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies.

When comparison shopping, it’s a good idea to include at a minimum one independent agency to have the most options to choose from.

Shown below is a list of independent insurance agencies in El Monte who can help you get comparison quotes.

Revival Insurance Svc – 2364 Peck Rd – El Monte, CA 91733 – (626) 443-0101
Orion Insurance Broker – 9324 Garvey Ave – El Monte, CA 91733 – (626) 452-9358

Captive Insurance Agents

These agents have only one company to place business with and some examples include State Farm, AAA and Liberty Mutual. Captives cannot provide prices from multiple companies so they have to upsell other benefits. They are well schooled on their company’s products which can be an advantage.

Below are captive insurance agents in El Monte that can give you comparison quotes.

Liberty Mutual – 9550 Flair Dr # 532 – El Monte, CA 91731 – (626) 450-0658
Farmers Insurance Group – 11350 Valley Blvd # 202 – El Monte, CA 91731 – (626) 452-1371
State Farm Insurance – 4788 Peck Rd – El Monte, CA 91732 – (626) 444-1131

For a complete listing of auto insurance agents in El Monte, visit this site.

Choosing an auto insurance agent needs to be determined by more than just the price. Any agent should be forthright in answering these questions:

  • Is working in the agency their full-time job?
  • Do they carry Errors and Omissions coverage?
  • What insurance company do they write the most business with?
  • How long has their agency been open in El Monte?
  • If your car is totalled, how to they determine the replacement cost?
  • Is assistance available after office hours?

After getting good answers to any questions you have and a low price estimate, most likely you have located an insurance agent that meets your needs to adequately provide auto insurance.

Is buying direct online an option?

Professional insurance agents are important to many people, but California car insurance can also be bought direct from companies online. A few companies, such as State Farm, Allstate and Farmers, who employ agents also give you the option to get a quote and buy online, and that is helpful.

If you’re uncomfortable with whether or not you’ll have guidance, don’t sweat it. Online car insurance companies provide options that you can contact for information.

Will you save money buying auto insurance online? That is a tough question to answer since there are so many components that influence how your policy is priced. It’s logical to say that a shopper who purchases direct saves money because there is no commission. In many cases, it’s expensive to advertise and this tends to eat up any savings.

Additional information can be found on the website for the California Department of Insurance found here. Visitors are able to learn about insurance regulations, file complaints about a company, and learn about specific coverages.

Find an agent in California

Additional helpful sites include this page for auto insurance in California and this link where you can make El Monte auto insurance comparisons.

Summing up your auto insurance search

Consumers who switch companies do it for many reasons like high prices, unfair underwriting practices, policy non-renewal or lack of trust in their agent. It doesn’t matter what your reason, choosing a new company can be easier than you think.

Cheaper auto insurance can be bought both online in addition to many El Monte insurance agents, so you should compare both so you have a total pricing picture. There are still a few companies who do not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.