Garden Grove, CA Auto Insurance Agency Information

If you’re looking for an insurance agent in Garden Grove, California, we recommend you begin your search using online quotes rather than picking up the phone. For the sake of this article, we’ll assume you not only want a highly trained agent, but also great rates as well.

With companies like State Farm, Allstate and many independent agents all competing for your business, it’s hard to tell which one will have the best rates, service and coverage. To begin, consumers can get online quoting to assemble a group of agents and price estimates.

Online price comparisons from Garden Grove agents

Agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of comparing rates online is that you can obtain the lowest rates and still choose a local agent. Supporting local agencies is definitely important in Garden Grove.

For easy comparison, once you complete this form (opens in new window), your insurance coverage information is submitted to insurance agents in Garden Grove who will give you bids for your business. There is no need to visit any agencies due to the fact that quote results will go straight to your inbox. How’s that for easy!

Two different types of insurance agencies

When finding a good Garden Grove insurance agent, there are two types of agencies that you can select. Garden Grove agents are categorized either captive or independent. Both insure your vehicles, but it’s good to learn how they are different because it can influence your selection of an agent.

Independent Agencies or Brokers

Independent agents are not locked into one company but rather can write business with many different companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part.

When comparing rates, it’s recommended you contact at a minimum one independent agency to have the most options to choose from.

The following are Garden Grove independent agencies who can help you get price quotes.

Chau Insurance Svc – 14320 Brookhurst St – Garden Grove, CA 92843 – (714) 839-0876
C B Insurance Svc – 13080 Brookhurst St – Garden Grove, CA 92843 – (714) 530-7876

Captive Insurance Agents

Captive insurance agents write business for a single company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to provide prices from multiple companies so they have to upsell other benefits. Captive agencies are usually quite knowledgeable on their company’s products and that can be a competitive advantage.

The following are captive insurance agencies in Garden Grove that are able to give rate quotes.

Farmers Insurance Group – 14200 Brookhurst St – Garden Grove, CA 92843 – (714) 537-1340
Allstate Insurance – 7645 Garden Grove Blvd – Garden Grove, CA 92841 – (714) 373-6883
State Farm Insurance – 9700 Chapman Ave – Garden Grove, CA 92841 – (714) 530-7567

To view a full list of auto insurance agents in Garden Grove, please go to this site.

Choosing a car insurance agent requires more thought than just the premium amount. Agents should be asked these questions:

• If your car is in the repair shop, do you have coverage for a rental car?
• What will you get paid if your car is a total loss? How is that amount determined?
• How many years of experience in personal lines insurance coverages do they have?
• Do they regularly work with personal auto policies?
• Can glass repairs be made at your home?
• Does the agency have a good rating with the Better Business Bureau?

Once you have received reasonable responses to these questions as well as a affordable price, it’s possible that you found an insurance agency that will provide auto insurance coverage.

Can you buy online and save?

Licensed agents are a valuable resource, but you can also find affordable California auto insurance directly from online companies. Some specific companies, such as Farmers Insurance and State Farm, that sell primarily through agents also let you get quotes and purchase online, and that can save time as an alternative to contacting agents.

If you’re uncomfortable with choosing your own coverages when buying direct, this is normal but is quickly overcome. Insurance companies provide phone numbers and online resources to walk you through the process. They also have extensive coverage information and 24/7 assistance you can access prior to buying.

Can you find lower rates online? That is a tough question to answer since there are so many components that influence the price you pay. Many people think that buying directly from the company lowers rates due to not having any agent compensation. In reality, marketing expenses are significant and that can cost more than having to pay agents.

More information is located on the website for the California Department of Insurance. Click here for link. California drivers can learn about specific coverages, find disaster information, and find a variety of consumer forms.

In conclusion

When buying insurance coverage, you should never skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced full coverage only to regret at claim time that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage for the lowest price while still protecting your assets.

The cheapest auto insurance can be bought online in addition to many Garden Grove insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.