Lowest Rates from Sunnyvale, CA Car Insurance Providers

Finding good car insurance in Sunnyvale can be challenging since you have many choices and selecting the best Sunnyvale car insurance agent for your needs is more difficult than just calling the closest agent. You need a professional licensed agent, and also want to find the lowest rates in Sunnyvale.

You have so many car insurance agents to buy insurance from, and though it is a good thing to have multiple companies, it can be more challenging to adequately compare rates.

How to compare Sunnyvale car insurance rates

Educated insurance agents can answer important questions and help in the event of a claim. The biggest benefit of comparing rates online is the fact that you can find better rates but also keep your business local.

To find an agent, once you fill out this form (opens in new window), your coverage information gets sent to local insurance agents in Sunnyvale who will battle to get your business. You don’t have to leave your computer as quotes are delivered directly to your email. It doesn’t get any easier!

Choosing an auto insurance agent should depend on more than just the premium amount. Any agent should be forthright in answering these questions:

  • If your car is totalled, how to they determine the replacement cost?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Can they give you a list of client referrals?
  • Do they carry Errors and Omissions coverage?
  • Can glass repairs be made at your home?

Captive or Independent: There is a difference

If you’re trying to find local Sunnyvale agents, there are a couple of different agency structures from which to choose. Insurance agencies in Sunnyvale can either be captive or independent (non-captive). Either one can insure your vehicles, but it’s important to know the differences since it can impact your selection of an agent.

Captive Insurance Agents

This type of agents have only one company to place business with like State Farm, AAA and Liberty Mutual. These agents are unable to place coverage with different providers so it’s a take it or leave it situation. Captive agents are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Consumers frequently choose to use a captive agent partially due to loyalty to the company and solid financial strength.

Listed below are captive agencies in Sunnyvale who can help you get comparison quotes.

  • Allstate Insurance – 525 W Remington Dr # 110 – Sunnyvale, CA 94087 – (408) 739-6950
  • State Farm Insurance – 468 E El Camino Real – Sunnyvale, CA 94087 – (408) 522-1900
  • Farmers Insurance Group – 355 W Olive Ave – Sunnyvale, CA 94086 – (408) 738-9999
Independent Agents (or Brokers)

Independent insurance agents are not required to write business for one company so they have the ability to put coverage amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part.

When searching for an agent, it’s recommended you include price quotes from at least one independent agent to ensure the widest selection of prices. Many write coverage with different regional companies which can be an advantage.

Shown below is a list of independent insurance agencies in Sunnyvale who can help you get comparison quotes.

  • Karen Kim Insurance – 1698 S Wolfe Rd # 200 – Sunnyvale, CA 94087 – (408) 737-7768
  • Fitzpatrick Agency – 260 S Sunnyvale Ave # 5 – Sunnyvale, CA 94086 – (408) 736-5395
  • AASK Insurance Svc – 510 Lawrence Expy # 219 – Sunnyvale, CA 94085 – (408) 735-9090

For a full directory of car insurance agents in Sunnyvale, view this link.

Once you have answers to your satisfaction and a low price estimate, it’s possible that you found an auto insurance agent that can service your policy.

Do online insurance companies save me money?

Licensed agents are indespensible for some people, but you can also find affordable California auto insurance directly from online companies. A few companies like State Farm and Allstate who have local agents in Sunnyvale also give you the option to buy a policy online. This is something to consider to possibly find a better rate.

If you’re concerned about not getting advice from an agent when buying direct, that is quite common when buying online the first time. Insurance companies have customer service departments for answering any questions you have.

If you’re not set on any one company, the best way to find out where you can get the lowest rate, either online or from agents, is to get price quotes for both. It’s even possible to receive different pricing returned by the same company when they compare quotes from both. You won’t discover where you can get the lowest rates without quoting identical coverages both ways.

Does car insurance cost less online? That is a tough question to answer since companies use quite a few components which can raise or lower premium rates. It’s a logical assumption that shopping direct reduces premiums because there is no agent. For most companies selling online, however, marketing their products costs a lot of money so this can offset any savings.

More tips and info about car insurance can be found at the California Department of Insurance website. Consumers can report car insurance fraud, file complaints about a company, discover disciplinary actions, and file complaints about an insurance agent or broker.

Smart consumers save more

People who switch companies do it for any number of reasons including denial of a claim, lack of trust in their agent, high prices or being labeled a high risk driver. It doesn’t matter what your reason, finding a new car insurance company is not as hard as you think.

When you buy insurance online, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped liability coverage limits only to regret at claim time that the savings was not a smart move. The aim is to get the best coverage possible at a price you can afford, not the least amount of coverage.