Lowest Rates from Los Angeles California Auto Insurance Agents

Finding good auto insurance in Los Angeles can be challenging since choosing the right Los Angeles auto insurance agent is harder than just making a phone call. You require a professional agent, but also the lowest rates for auto insurance in Los Angeles.

Because there are so many online and local companies to choose from, it is very difficult to find the best provider.

Quote online but still have a local agent

Agents can point out coverage gaps and give you peace of mind. The biggest benefit of comparing rates online is you may find the best rates and still choose a local agent.

By using this simple form, your insurance data is transmitted to companies in Los Angeles who will return price quotes for your insurance coverage. You never need to even leave your home as quotes are delivered to the email address you provide. How’s that for easy!

Choosing an insurance agency shouldn’t rely on just the premium amount. These are valid questions to ask:

  • Do they carry Errors and Omissions coverage?
  • Are they able to influence company decisions when a claim is filed?
  • How are they compensated?
  • Is assistance available after office hours?
  • Can they provide you with a list of referrals?
  • Can glass repairs be made at your home?
  • Do they specialize in personal lines coverage?
  • Are there any hidden costs in their price quote and does it include driving and credit history?

The type of insurance agent you choose is important

If you’re trying to find local Los Angeles agents, you need to know there are two different types of agents that differ in how they can insure your vehicles. Agents are categorized either captive or independent (non-captive). Either one can write coverage properly, but it’s worth learning how they differ since it can impact the selection process.

Captive Insurance Agents

This type of agents can only write with one company and some examples include AAA, State Farm, Farmers Insurance and Allstate. They are unable to place coverage with different providers so keep that in mind. Captive agents are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Consumers sometimes buy insurance from these agents mostly because of the brand legacy and solid financial strength.

Shown below is a list of captive insurance agencies in Los Angeles that are able to give comparison quotes.

  • Liberty Mutual – 4902 W Slauson Ave – Los Angeles, CA 90056 – (323) 292-6218
  • Allstate Insurance – 11150 W Olympic Blvd # 870 – Los Angeles, CA 90064 – (310) 914-5366
  • Farmers Insurance Group – 3350 Wilshire Blvd # 1220 – Los Angeles, CA 90010 – (213) 383-1911
  • State Farm Insurance – 8728 S Sepulveda Blvd – Los Angeles, CA 90045 – (310) 641-0655
Independent Agents (or Brokers)

Independent insurance agents are not locked into one company but rather can write business with lots of companies and potentially find a lower price. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency. When searching for an agent, you should always include at least one independent agent for the best price selection.Most can insure with different regional companies which can be an advantage.

Listed below is a short list of independent insurance agents in Los Angeles that are able to give rate quotes.

  • Reines Agency – 5331 N Figueroa St – Los Angeles, CA 90042 – (323) 550-1430
  • Topa Insurance Co – 1800 Ave Of Stars # 1200 – Los Angeles, CA 90067 – (310) 201-0451
  • Fireman’s Fund Insurance – 600 Wilshire Blvd # 1600 – Los Angeles, CA 90017 – (213) 861-7300
  • Lee Keller Agency – 850 Colorado Blvd # 101 – Los Angeles, CA 90041 – (323) 255-5330
  • Sal Mercado Agency – 10680 W Pico Blvd # 202 – Los Angeles, CA 90064 – (310) 558-4422

To view a full list of licensed insurance agents in Los Angeles, please view this page.

After getting good answers to any questions you have and a good coverage price, it’s possible that you found an insurance agency that can properly insure your vehicles.

Do online insurance companies cost less?

Insurance agencies are a valuable resource, but you also have the option of buying California car insurance direct from companies online. Even companies who sell through the agent channel also permit you to buy direct on their websites. This is something to consider.

If you’re apprehensive about whether or not you’ll have guidance when shopping online, that shouldn’t be an issue. Online companies that allow you to purchase coverage all have client service departments for answering any questions you have.

The best approach to find out if car insurance prices are lower online or from agents is making fair comparisons of each of their rates. You may actually get a different price from the same insurance company when they compare quotes from both.

Do customers save by switching to an online company? Whether or not you’ll save is impossible to say because there are so many things that impact your rate calculation. Some people think that buying directly from the company lowers rates due to not having any agent compensation. For the majority of companies, however, marketing their products costs a lot of money and those expenses can offset most of the savings by selling direct.

To find out more about California auto insurance

More detailed California auto insurance information is located at the California Department of Insurance website. Consumers can find a variety of consumer forms, view agent and company licensing information, and learn about specific coverages.

The following articles may also be useful.

Smart consumers save more

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at the best price.

Auto insurance in Los Angeles

People who switch companies do it for a variety of reasons including delays in paying claims, an unsatisfactory settlement offer, high rates after DUI convictions or being labeled a high risk driver. Whatever your reason, choosing a new company can be less work than you think.