Lowest Rates from El Cajon, CA Car Insurance Companies

Comparing car insurance rates in El Cajon can be a lot of work since choosing the right El Cajon auto insurance agent is more difficult than just calling the closest agent. It’s highly likely you want a competent insurance agent, but you also need the lowest possible price.

With companies like State Farm, Allstate and many independent agents all competing for business in El Cajon, it’s hard to tell which insurance agent will provide the lowest rates and best service. Thankfully, it’s easy to use online price quotes to get a list of insurance agents from which to choose.

Shop online but buy locally

Licensed agents can point out coverage gaps and help in the event of a claim. The best thing about getting online price quotes is the fact that you can find lower rates and still have an agent to talk to. And providing support for local agencies is definitely important in El Cajon.

Once you complete this simple form, your insurance coverage information is transmitted to local insurance agents in El Cajon who will battle for your business. You won’t need to drive around as quotes are delivered straight to your inbox. How’s that for easy!

Listed below is a short list of insurance agencies in El Cajon who can help you get rate quotes.

• Edmon Fattohi Insurance Svc – 1768 Pepper Dr, El Cajon, CA 92021 – (619) 441-0350
• Farmers Insurance Group – 1651 E Main St # 202, El Cajon, CA 92021 – (619) 444-1141
• Bill Fleetwood Agency – 1651 E Main St # 202, El Cajon, CA 92021 – (619) 590-0022
• Allstate Insurance – 1282 Broadway, El Cajon, CA 92021 – (619) 440-6775
• Liberty Mutual Insurance – 731 Jamacha Rd, El Cajon, CA 92019 – (619) 579-3501
• Billy J Taylor Insurance – 1483 N 2nd St # 101, El Cajon, CA 92021 – (619) 588-5765

To view a full list of El Cajon insurance agents, visit this site.

Selecting an insurance agency should depend on more than just a low price. Any agent should have no problem answering these questions:

• Do the companies they represent have a solid financial rating?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Which insurance companies are they affiliated with?
• What insurance company do they write the most business with?
• How are claims handled?

Once you have acceptable answers to any questions you have as well as a affordable price, chances are good that you have found an auto insurance agent that will service your policy.

Online companies should be in the mix

Car insurance agents can be invaluable at times, but you can also buy California car insurance from online companies direct. Some companies like Allstate and State Farm who have local agents in El Cajon also permit you to buy direct online, so that should be considered if you prefer to buy online.

If you’re concerned about not having an agent to talk to, this really isn’t an issue. Online car insurance companies provide phone numbers and online resources for answering any questions you have.

Does coverage cost less online? It’s difficult to say for sure since there may be dozens of rate factors that influence how your policy is priced. Common sense would say that buying car insurance online saves the cost of an agent commission. But the reality is there are very high advertising costs and those expenses can offset most of the savings by selling direct.

Better coverage you can count on

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. In many cases, an insured dropped collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage for the lowest price while still protecting your assets.

Discount car insurance can be bought on the web as well as from independent agents in El Cajon, and you should be comparing both in order to have the best price selection to choose from. Some car insurance companies don’t offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

California insurance information

Additional car insurance information is available on the California Department of Insurance website located here. California consumers can find a variety of consumer forms, learn about insurance regulations, and read state legal mandates and laws.

Additional helpful sites include BankRate.com’s Car Insurance: When not to Skimp and this page on QuoteClickInsure.com.