Basics to Finding the Best Insurance Agent in Tampa Florida

If you’re trying to find a good Tampa agent, it’s recommended you begin your search by getting online comparison quotes to save time. It’s likely you’re wanting a professional agent, but you also want to find the lowest possible price.

With insurance companies like Farmers, Allstate, and independent agents all competing for your business, it’s hard to tell which will have the lowest rates and best service. To help decide, consumers can use online quoting to build a list of agents to choose from.

Buying car insurance from a local Tampa agent

Insurance agents can point out coverage gaps and help in the event of a claim. One of the great benefits of comparing rates online is you can get lower rates but also keep your business local. Buying from local insurance agencies is important particularly in Tampa.

After completing this simple form, your information is submitted to local insurance agents who will compete for your business. You don’t have to leave your house because quoted prices will be sent to the email address you provide. How’s that for easy! You can find better rates AND an agent nearby.

If you want to contact a specific insurance agent in Tampa, please click here.

Selecting an insurance agent should depend on more than just a low price. Any agent should be forthright in answering these questions:

  • Do they regularly work with personal auto policies?
  • How are claims handled?
  • How long have they worked with personal auto insurance coverage?
  • Is working in the agency their full-time job?
  • What will you get paid if your car is a total loss? How is that amount determined?

Upon getting answers to your satisfaction for all questions you ask in addition to an acceptable price estimate, most likely you have located an insurance agency that will properly insure your vehicles.

Do online companies have better prices?

Professional insurance agents are indespensible for some people, but you also have the option of buying from companies direct over the internet. Some car insurance companies that are more known for using agents, also allow consumers to buy online, so keep that in mind to possibly find a better rate.

If you’re uneasy about not getting advice from an agent, don’t let it bother you. Online companies provide toll-free numbers for answering any questions you have.

Are online companies cheaper? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because of the fact that insurance companies use many factors that determine your policy premium. It’s a common assumption that buying online saves money because there is no commission. But truthfully, there are very high advertising costs and those expenses can offset most of the savings by selling direct.

If you’re trying to save the most money, the best approach to discovering if the cheapest policy comes from an agent or online is to set aside time to compare rates from both. Lots of times people will get different prices using an online quote and an agent quote from the same car insurance company. But it’s impossible to know which way will be cheaper until after comparing identical coverage quotes each way.

Buy online or local, you save

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where someone dropped comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at the best price while still protecting your assets.

Insureds who switch companies do it for a variety of reasons including unfair underwriting practices, policy non-renewal, poor customer service or even being labeled a high risk driver. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.

For more Florida car insurance information

Additional car insurance information is available on the website for the Florida Office of Insurance Regulation. Click here for link. Consumers can find out industry alerts, get help finding coverage, report car insurance fraud, and discover disciplinary actions.

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