If you are moving to California or are already a resident, it is important to choose a good California car insurance agent. A good California auto insurance agent will be able to take time to answer any questions you might have and of course will be someone who knows what they are talking about!
Generally, an independent auto insurance agent is the best choice because they can explain coverage and give quotes from several different companies as opposed to an insurance agent allied with just one company. Getting the recommendation of a good insurance agent from a friend or neighbor is also one of the best ways to narrow down your search of insurance agents.
How to Choose A California Auto Insurance Agent
Before you choose a CA auto insurance agent make sure you know what you are looking for: do you value customer service more than price? Or perhaps you are looking for a well established company? Deciding what you want from an insurance company can help you better decide what auto insurance agent you will go with.
Independent studies have shown that most insurance purchasers value confidence in the company, quality of plans and customer service as the top aspects of deciding what insurance company to go with. Decide what is most important to you and when you choose your insurance agent they will be able to help you find the insurance company that is right for you.
Discounts
A California auto insurance agent should also be able to inform you of discounts you might be eligible for like discounts for a safe driving record or the completion of a defensive driving course. Other discounts such as good grades for students or good credit scores are other things your insurance agent should talk to you about so you can get the best insurance for the lowest price. Look for an insurance agent that wants to help you get the best plan for the lowest price rather than an agent that seems pushy and only interested in their sales commission.
Another option for some California insurance buyers is to purchase auto insurance through the same company that they already have homeowners or renters insurance with. Oftentimes going with the same insurance company will give you a substantial discount (called a “multiple lines” discount).
Low Cost California Auto Insurance
In California there are also low cost plans for car insurance that you may qualify for and that your insurance agent should refer you to if you are eligible for. Normal minimum car insurance coverage in California requires a $15, 000 coverage for one bodily injury, $30,000 for multiple bodily injuries, and $5,000 in property damage coverage. No personal injury protection is needed.
However, if you qualify for low cost auto insurance your minimum requirements drop to $10,000, $20,000 and $3,000, respectively. This low cost auto insurance is based upon income level, if you are a driver in good standing, and how much your car is worth. If you have trouble financially, you may qualify for this California low cost auto insurance plan. Make sure your agent can refer you to types of plans like these should you need them.
Pick the Best Agent for You Needs
While picking an agent has many different aspects to it, it is important to find a California auto insurance agent who represents your best interests and is able to give you quotes from several different insurance companies, giving you the best possible price and service. Use our free quote tool at the top of the page to compare insurance quotes from top insurers side by side!
Get a free California auto insurance quote comparison now!