Quote Online to Get the Lowest Car Insurance Prices From Agents in West Palm Beach Florida

When searching for an insurance agent in West Palm Beach, Florida, you can always start your research online instead of calling around. It’s assumed you not only want a good agent that listens to you, but also the lowest possible price.

With insurance companies like State Farm, Allstate and Farmers Insurance all competing for your business, it’s hard to tell which provider will have the best rates, service and coverage. Fortunately, consumers can get online quoting to assemble a group of agents and thier coverage prices.

How to find West Palm Beach insurance agents online

Good agents are trained to spot inefficiencies and help submit paperwork. The best thing about comparing insurance prices online is that you can obtain lower rates but still work with a licensed agent. And supporting local agencies is especially important in West Palm Beach.

After completing this form (opens in new window), the quote information is submitted to local insurance agents who will compete for your coverage. There is no reason to leave your computer due to the fact that quote results will go straight to your inbox. Now that’s easy!

Types of auto insurance agents in West Palm Beach

When looking for a good West Palm Beach insurance agent, there are two different agency structures that differ in how they can insure your vehicles. Agencies in West Palm Beach are classified as either captive or independent. Either one can write coverage properly, but it’s worth mentioning how they differ because it can impact your agent selection.

Independent Agencies or Brokers

These agents do not work for one specific company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part.

When shopping rates, it’s recommended you include price quotes from multiple independent agents for the best price selection.

Shown below is a list of independent insurance agencies in West Palm Beach who may be able to give you price quote information.

Cardillo Insurance – 551 S Military Trl – West Palm Beach, FL 33415 – (561) 683-0019
Arista Insurance Advisors – 5902 S Dixie Hwy # B – West Palm Beach, FL 33405 – (561) 585-9694
Plastridge Agency Inc – 10337 N Military Trl – West Palm Beach, FL 33410 – (561) 630-4955
Plastridge Agency Inc – 2240 Palm Beach Lakes Blvd – West Palm Beach, FL 33409 – (561) 683-8320
AIG Agency Auto – 2500 Metrocentre Blvd – West Palm Beach, FL 33407 – (561) 242-1900

Captive Agents

Captive insurance agents write business for a single company like State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to provide prices from multiple companies so they have to upsell other benefits. They are trained well on their company’s products which helps them compete with independent agents.

Below is a short list of captive agents in West Palm Beach that can give you comparison quotes.

State Farm Insurance – 576 Marbella Dr – West Palm Beach, FL 33403 – (561) 848-5654
Allstate Insurance – 2405 N Dixie Hwy – West Palm Beach, FL 33407 – (561) 833-0304

To view a full list of car insurance agents in West Palm Beach, simply jump to this page.

Picking an auto insurance agent requires more thought than just the premium amount. These questions are important to ask:

  • Can glass repairs be made at your home?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Will their companies depreciate repairs to your car based on the mileage?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Does the company allow you to choose your own collision repair facility?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

Upon getting acceptable answers and locked in a price quote, it’s possible that you found a car insurance agent that meets your needs to properly insure your vehicles.

Online companies should also be compared

Professional insurance agents are important, but you also have the option of buying direct from companies online. Even companies, such as Farmers Insurance and State Farm, who sell through agents in West Palm Beach also allow you to buy direct on their websites, so keep that in mind if finding the best price is important.

If you’re apprehensive about not having an agent to talk to when shopping online, this is expected but don’t let that bother you. Online car insurance companies provide phone numbers and online resources for getting advice on proper coverages.

Are car insurance rates lower online? It’s hard to say exactly due to the fact that there are many factors that are calculated into your premium. It’s a common assumption that buying car insurance online prevents the agent from taking a cut. But the fact is, there are high advertising and marketing costs so there may not be significant savings.

The only way to determine where you can get the lowest rate, either online or from agents, is to compare price quotes from both. It’s even possible to receive different pricing from the SAME company when they get quotes from both.

More effort can pay off

Insureds who switch companies do it for many reasons like lack of trust in their agent, policy cancellation, high rates after DUI convictions and even high prices. Regardless of your reason, finding a great new company is less work than it seems.

Florida insurance quotes

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. In many cases, drivers have reduced liability coverage limits only to find out that it was a big mistake. Your goal should be to find the BEST coverage for the lowest price.

More information is available on the website for the Florida Office of Insurance Regulation located here. Consumers can read industry bulletins, learn about specific coverages, and file complaints about a company.

The following information may also be useful.