Hialeah Florida Auto Insurance Agency Online Price Quotes

If you’re trying to find a good Hialeah agent, we recommend you begin your search online rather than picking up the phone. You require a highly trained agent, but also cheaper auto insurance prices.

Online insurance companies like State Farm, GEICO and Farmers Insurance promote their brand names with advertising and consumers find it hard to sift through the bull and do the work needed to find the best deal.

Your insurance agent down the street

Educated insurance agents can answer important questions and give you someone to call. The best thing about getting online price quotes is that you can obtain the best rates but still work with a licensed agent.

To make it easy to find an agent, after completing this form (opens in new window), the coverage information gets sent to agents in your area who will give you bids for your business. You never need to leave your house since price quotes are sent to your email. It doesn’t get any easier!

Selecting an insurance agent needs to be determined by more than just a cheap price. Some important questions to ask are:

  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • How long has their agency been open in Hialeah?
  • Will your rates increase after a single accident?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?

Independent or Captive: It’s your choice

When looking for a reliable agent, there are two types of agencies that differ in how they can insure your vehicles. Insurance agencies in Hialeah are categorized either independent or captive. Either one can do a good job, but it’s important to know the differences since it may influence your agent selection.

Agency Captives

These agents can only place business with one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to place coverage with different providers so they are skilled at selling on more than just price. Captives receive extensive training on their products and sales techniques which can be an advantage. Some people will only choose to use a captive agent mostly because of the prominence of the brand and solid financial strength.

Shown below is a short list of captive agents in Hialeah that are able to give price quote information.

Independent Agencies or Brokers

Independent insurance agents are not locked into one company so they have the ability to put coverage with many different companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent. When comparison shopping, we recommend you get quotes from at least one independent agent for maximum quote selection. They also have the ability to place coverage with lesser-known insurance companies which can save you money.

Listed below are Hialeah independent agencies who can help you get price quotes.

  • First General Insurance – 7900 NW 155th St # 102 – Hialeah, FL 33016 – (305) 817-0303
  • Fred Diamond Insurance – 6175 NW 153rd St – Hialeah, FL 33014 – (305) 825-8899
  • All-Motors Assurance Agency – 1524 W 49th St – Hialeah, FL 33012 – (305) 362-6830

For a complete listing of licensed insurance agents in Hialeah, please click here.

After receiving answers to your satisfaction for all questions you ask and locked in a price quote, you’ve probably found a car insurance agent that will adequately provide auto insurance.

Alternatives to local agents

Insurance agencies are a valuable resource, but you also have the option of buying direct online. A few companies, such as Farmers Insurance and State Farm, who sell through agents in Hialeah also permit you to quote and buy online, and that can save time if finding the best price is important.

If you’re uneasy about having to choose coverages yourself when buying direct, that shouldn’t be an issue. Online insurance companies all provide contact methods for customer questions.

If you have the time, the only way to find out if the best rates are online or from local agents is making fair comparisons of each of their rates. It’s possible to get different rates from exactly the same company from their online quote form as compared to an agent. It’s not possible to know if the company’s rates are lower online or from an agent unless free rate quotes are compared both ways.

Do customers save by switching to an online company? Many people swear by it, but it’s difficult to answer because there are so many things that impact your rate calculation. Common logic is that buying directly from the company reduces premiums because there is no agent. But that assumption is generally incorrect because promoting brand recognition is pricey and this drives up their premium costs.

Additional detailed information can be found at the Florida Office of Insurance Regulation website. Florida consumers can find out industry alerts, view a list of available companies, and read enforcement actions against agents and companies.

The articles below may also help you learn more about auto insurance in Hialeah

In the end, you save

Consumers switch companies for any number of reasons including high rates after DUI convictions, delays in responding to claim requests, poor customer service and even high prices. It doesn’t matter what your reason, finding a new company is not as hard as you think.

Car insurance in Hialeah Florida

As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. There are many occasions where someone dropped uninsured motorist or liability limits only to discover later that the savings was not a smart move. The ultimate goal is to find the BEST coverage at an affordable rate.