How to Get the Right Car Insurance Provider in Hollywood

If you’re trying to find a good insurance agent in Hollywood, Florida, we recommend you start your search for an agent online in order to save time. Chances are good that not only do you want a highly trained agent, but you also want to find affordable coverage.

With insurance companies like State Farm, Allstate, Farmers and independent agents all competing for business in Hollywood, it’s hard to tell which one will provide you with the best service and rates. Thankfully, consumers can get insurance quotes online in order to build a list of insurance agents and price estimates.

How to buy car insurance from an agent in Hollywood

Insurance agents can point out coverage gaps and give you peace of mind. One of the great benefits of comparing insurance prices online is you may find better rates and still choose a local agent. Supporting local insurance agencies is especially important in Hollywood.

After filling out this form (opens in new window), the quote information is instantly submitted to insurance agents in Hollywood who will return price quotes to get your business. You won’t need to leave your house because quoted prices will be sent immediately to your email address. It doesn’t get any easier! You can find the lowest rates AND an agent nearby.

Choose the right auto insurance agent

When looking for a good insurance agency, you need to know there are two types of insurance agents to choose from. Agencies in Hollywood are either independent or captive.

Independent Agents

Independent agents are not employed by any specific company but rather can write business amongst many companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part.

When comparing rates, it’s recommended you get quotes from at least one independent agent to have the most options to choose from.

The following is a short list of independent insurance agencies in Hollywood who may be able to give you rate quotes.

State Auto Tag Agency – 3335 N University Dr – Hollywood, FL 33024 – (954) 437-0707
AAARJJ Moose Insurance – 5741 Hollywood Blvd – Hollywood, FL 33021 – (954) 983-1073
Comprehensive Insurance – 9900 Stirling Rd # 103 – Hollywood, FL 33024 – (954) 450-9890

Captive Agents

These agents have only one company to place business with like AAA, State Farm, Farmers Insurance and Allstate. They are unable to provide prices from multiple companies so always compare other rates. These agents are usually quite knowledgeable on the products they sell and that can be a competitive advantage.

Listed below is a list of captive agencies in Hollywood willing to provide rate quotes.

American Family Health Ctr – 5920 Johnson St – Hollywood, FL 33021 – (954) 962-6505
State Farm – 603 N Federal Hwy # 1 – Hollywood, FL 33020 – (954) 922-1900
Allstate Insurance – 6365 Taft St # 1005 – Hollywood, FL 33024 – (954) 924-9394

For a full directory of car insurance agents in Hollywood, please view this page.

Choosing a car insurance agent should depend on more than just the price. Here are some questions to ask:

  • Will their companies depreciate repairs to your car based on the mileage?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Is assistance available after office hours?
  • Are there any discounts that you might be missing?
  • Is their price quote a firm figure or are their hidden costs?
  • Can they provide you with a list of referrals?
  • Can glass repairs be made at your home?

After receiving positive feedback for all questions you ask and a good coverage price, it’s possible that you found an auto insurance agent that meets your needs to provide car insurance coverage.

Will just any policy work for me?

When choosing adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.

  • Is my vehicle covered for flood damage?
  • How much liability do I need to cover my assets?
  • What is covered by UM/UIM coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I need special endorsements for business use of my vehicle?
  • Do I qualify for additional discounts?
  • What is high-risk coverage and where do I buy it?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent.

You have the option to buy direct online

Insurance agencies serve a purpose, but Florida consumers also have the option to buy direct from companies that only sell online. Even companies who have local agents in Hollywood also permit you to quote and buy online. This is something to consider if you’re trying to lower your rates.

If you’re uneasy about selecting your own policy coverages when buying direct, that is quite common when buying online the first time. Companies that require consumers to choose their own coverages provide access to licensed agents for customer questions.

Does it save money buying online? It’s difficult to provide an answer since companies use quite a few components that impact your final bill. Common sense would say that a shopper who purchases direct saves money because there is no commission. But in reality, marketing their products costs a lot of money and this tends to eat up any savings.

If you have the time, the only way to find out if the best rates are online or from local agents is to get price quotes for both. Even though it sounds odd, people frequently get different pricing from insurance agents and online quoting for the exact same company.

Hollywood Florida car insurance agents

Compare but don’t skimp

As you prepare to switch companies, do not reduce coverage to reduce premium. In too many instances, consumers will sacrifice collision coverage only to regret they didn’t have enough coverage. Your goal should be to purchase plenty of coverage at an affordable rate.

Consumers leave their current company for many reasons like delays in responding to claim requests, policy cancellation, high rates after DUI convictions and high prices. Regardless of your reason, finding a new company can be less work than you think.

Additional information can be found on the website for the Florida Office of Insurance Regulation. Click here for link. Visitors are able to find disaster information, find a variety of consumer forms, view a list of available companies, and report car insurance fraud.