Tips to Finding the Right Auto Insurance Agent in Orange, CA

Comparing auto insurance rates in Orange can be a lot of work since you have many choices and picking a good California insurance agency is not as easy as just driving to the closest agent’s office. You require an excellent agent, but also need the best possible price.

Lots of insurance agencies contend for your hard-earned dollar, so it can be very hard to choose a car insurance agent and uncover the absolute best price available.

How to find Orange insurance agents online

Professional agents can answer important questions and help file insurance claims. The biggest benefit of price shopping on the web is that you can obtain lower rates and still have an agent to talk to.

For easy comparison, once you complete this short form, your insurance data is instantly submitted to local insurance agents who will compete for your business. You never need to leave your computer because quoted prices will be sent to the email address you provide. It doesn’t get any easier!

Deciding on a car insurance agent shouldn’t rely on just a low price. Any agent should have no problem answering these questions:

  • Did they already check your driving record and credit reports?
  • How much can you save by raising your physical damage deductibles?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Do they carry Errors and Omissions coverage?
  • How often do they review policy coverages?
  • Are claims handled at the agent’s location?
  • How long has their agency been in business in Orange?

Captive agents vs. Independent agents

If you’re trying to find local Orange agents, you need to know there are two types of agencies from which to choose. Agents are either independent or captive. Either one can insure your vehicles, but it’s worth mentioning how they are different since it can impact your agent selection.

Captive Insurance Agents

Captive agents can only write with one company such as Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to shop your coverage around so it’s a take it or leave it situation. These agents are usually quite knowledgeable on the products they sell which helps them compete with independent agents.

Below is a list of captive insurance agencies in Orange willing to provide rate quotes.

Allstate Insurance – 747 W Katella Ave # 202 – Orange, CA 92867 – (714) 639-6983
Farmers Insurance Group – 1815 E Heim Ave # 100 – Orange, CA 92865 – (714) 985-1071
State Farm Insurance – 1500 E Katella Ave # 5 – Orange, CA 92867 – (714) 633-3020

Independent Agencies or Brokers

Independent agencies are not employed by any specific company but instead can place your coverage amongst many companies and potentially find a lower price. To transfer your coverage to a different company, your agent can switch companies and that require little work on your part.

When shopping rates, we recommend you get quotes from multiple independent agents to ensure the widest selection of prices.

Listed below is a short list of independent agents in Orange that are able to give rate quotes.

Denis Cushing Agency – 1400 E Katella Ave # 217 – Orange, CA 92867 – (714) 633-4872
Bigner Insurance – 1815 E Heim Ave # 100 – Orange, CA 92865 – (714) 998-3332
Don Kent Agency – 172 N Tustin St # 201 – Orange, CA 92867 – (714) 633-2351
Freeman and Pearce Insurance – 1216 N Tustin St – Orange, CA 92867 – (714) 558-1334

For a full directory of insurance agents in Orange, simply jump to this page.

After getting satisfactory answers as well as a affordable price, you’ve probably found an insurance agency that will provide auto insurance coverage.

Consider all buying options to save money

Insurance agencies are indespensible for some people, but California consumers also have the option to buy from companies direct over the internet. Some specific companies that are more known for using agents, also allow consumers to quote and buy online, and that is helpful if you want to do it yourself.

If you’re anxious about choosing your own coverages, this is a normal reaction for first-time shoppers. Companies that allow you to purchase coverage all have toll-free customer service for answering any questions you have. They also have live chat and online tools so you can feel comfortable buying online.

Is online auto insurance cheaper? It’s difficult to say for sure because there are so many things that influence how your policy is priced. You may think that buying online saves money because there is no agent involvement. For most companies selling online, however, online and traditional media advertising are expensive so this can offset any savings.

Even more information is available at the California Department of Insurance website. California consumers can discover disciplinary actions, find out industry alerts, learn about specific coverages, and find a variety of consumer forms.

Orange CA car insurance agents

Other useful links include this site for auto insurance information in California and this link which helps you find a Orange agent.

Buy online or local, you save

Affordable auto insurance is attainable on the web in addition to many Orange insurance agents, and you should compare price quotes from both to have the best selection. There are still a few companies who do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. There have been many cases where drivers have reduced comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.