Learn How to Find the Best Insurance Agent in Chesapeake

If you’re looking to buy auto insurance, you have many choices and picking a good Virginia car insurance agent is more difficult than just using the same car insurance agent as your neighbor. Consumers require a highly trained agent, but also decent rates too.

Because you have many different company options, it is hard for the average consumer to choose the most affordable company.

When should I talk to an agent?

When it comes to choosing coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions might help in determining whether you will benefit from professional help.

  • Can I drive in Mexico and have coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Should I have combined single limit or split liability limits?
  • Who is covered by my policy?
  • Is business equipment covered while in my vehicle?
  • Does my insurance cover a custom paint job?
  • How high should my uninsured/underinsured coverage be in Virginia?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent.

Comparing prices from Chesapeake agents

Insurance agents can point out coverage gaps and help in the event of a claim. The best thing about comparing insurance prices online is that you can obtain lower rates but still work with a licensed agent.

For easy comparison, once you complete this form (opens in new window), your insurance data is submitted to local insurance agents who will return price quotes for your coverage. You never need to leave your computer as quotes are delivered to the email address you provide. How’s that for easy!

Choosing a car insurance agent needs to be determined by more than just the price. Here are some questions to ask:

  • Is assistance available after office hours?
  • Can they give you a list of client referrals?
  • Which company do they place the most coverage with?
  • Are they properly licensed to sell insurance in Virginia?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • If they are an independent agency, which companies do they recommend?
  • Who is covered by the car insurance policy?
  • Do they regularly work with personal auto policies?

The type of insurance agent you choose is important

If you’re trying to find a reliable agent, there are two different agency structures from which to choose. Chesapeake agents are classified as either captive or independent (non-captive). Either one can insure your vehicles, but it’s worth learning the differences since it may influence the selection process.

Captive Insurance Agents

Captive insurance agents can only place business with one company such as State Farm, AAA and Liberty Mutual. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. Captive agencies are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Some people will only choose to use a captive agent mainly due to loyalty to the company and strong financial ratings.

Below is a list of captive insurance agencies in Chesapeake that are able to give comparison quotes.

  • State Farm Insurance – 825 Battlefield Blvd S – Chesapeake, VA 23322 – (757) 547-3141
  • Allstate Insurance – 4310 Indian River Rd # 2 – Chesapeake, VA 23325 – (757) 424-8860
  • Liberty Mutual Insurance – 681 Battlefield Blvd N # C – Chesapeake, VA 23320 – (757) 436-1436
  • Farmers Insurance Group – 2324 Dunbarton Ct – Chesapeake, VA 23325 – (757) 420-7372
  • Chesapeake Farm Bureau – 552 Battlefield Blvd S – Chesapeake, VA 23322 – (757) 546-8000
Independent Agents

Independent agencies are not employed by any specific company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part.

When comparison shopping, it’s recommended you include price quotes from several independent insurance agents to get the best comparison.Most can insure with smaller regional carriers which can save you money.

Below are independent insurance agents in Chesapeake who can help you get price quote information.

  • Insurance Doctor Agency Inc – – Chesapeake, VA 23321 – (757) 686-0033
  • Robert E Old Jr Agency – 311 Johnstown Rd # B – Chesapeake, VA 23322 – (757) 547-2103
  • Smith and Sullivan Agency – 1200 Battlefield Blvd N # 113 – Chesapeake, VA 23320 – (757) 436-4800
  • Towne Insurance – 137 Mount Pleasant Rd – Chesapeake, VA 23322 – (757) 436-4600
  • Bob R Fitzgerald Insurance – 817 Greenbrier Pkwy # A – Chesapeake, VA 23320 – (757) 549-8223

To view a full list of Chesapeake insurance agents, view this link.

Upon receiving reasonable responses to all your questions and locked in a price quote, you may have just found an insurance agency that meets your needs to properly service your auto insurance policy.

Is buying direct online an option?

Local insurance agents are perfect for certain consumers, but Virginia car insurance can also be bought from companies direct over the internet. Some car insurance companies, such as Farmers Insurance and State Farm, who employ agents additionally provide the ability to get quotes and purchase online. This is something to consider.

If you’re anxious about not getting advice from an agent, that is quite common when buying online the first time. Car insurance companies all have client service departments for getting the best coverage. Also available are a frequently asked questions page that can help answer basic questions.

Will buying online save you money? Whether or not you’ll save is impossible to say since companies use quite a few components that impact your final bill. Common sense would say that a shopper who purchases direct reduces premiums because there is no agent. But in reality, there are very high advertising costs and this tends to eat up any savings.

Virginia insurance information

Additional detailed information can be read at the Virginia Bureau of Insurance website. Visitors are able to download brochures, learn about specific coverages, and find disaster information.

The following information may also be useful.

In the end, you save

As you restructure your insurance plan, never skimp on coverage in order to save money. In many instances, consumers will sacrifice collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at a price you can afford.

Find Chesapeake Virginia insurance agent

Affordable auto insurance is possible on the web in addition to many Chesapeake insurance agents, and you should be comparing both to have the best rate selection. Some auto 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.