Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 15, 2020

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It’s all about you. We want to help you make the right car insurance coverage choices.

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Key takeaways...

  • Finding an agent with the company online is the quickest way to go
  • JD Power and Associates is a company that collects and compiles data in order to rate auto insurance companies
  • You also should be aware of what the requirements are for car insurance in your state

An agent can become a person on your side in regards to car insurance. Car insurance is important in order to protect you from being fully financially responsible in the event of theft, vandalism, an accident, or a fire.

There is a lot of information to digest when it comes to insurance, and an agent can help you understand the different aspects in order to choose the right coverage for your needs.

Sure, you can find a car insurance policy online on your own, but it is often more beneficial to use an agent. An agent can help you in many ways, not just in finding the right policy for the best price.

Begin your search for car insurance rates right now by entering your zip code into the FREE box above!

Table of Contents

Use a Particular Insurance Company

You may know exactly which insurance company you want to insure your vehicles. It may be because you have used the provider in the past and had a good experience or it may be from a friend’s referral.

If you know the company already, there are a couple of ways to find an agent to work with. If you prefer face to face time you can call or visit the closest agency to you.

You can also ask friends or family if they work with an agent whom they particularly like and contact that agent.

Finding an agent with the company online is the quickest way to go.

Just visit the particular company’s website by typing in the address or doing a search. Most websites will have a tab for finding an agent.

You will then usually be able to search for an agent a couple of ways. Most websites will have a tab for finding an agent. You will then usually be able to search for an agent a couple of ways.

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Do a General Online Search

You will need to enter certain information about yourself, your vehicle, and your driving history.

After filling in the appropriate information you will be given quotes from multiple companies.

You will be contacted by an agent either by phone or email, whichever you prefer.

If possible, this agent will usually be in your local area so if you preferred to meet face to face to discuss your insurance options this would be a possibility.

Use the Opinions of Others

Sometimes the best way to make a decision about car insurance is to depend on the opinions and experience of other drivers.

If someone has had a great experience with a particular agent or provider there is a good chance you will as well, and vice versa in regards to bad experiences.

JD Power and Associates is a company that collects and compiles data in order to rate auto insurance companies.

If you are unsure as to which insurance provider to choose you can use that as a starting point and then do your own research.

It is important to take your time when searching for insurance, as there are multiple options and it is quite personal.

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Take Your Time

When searching for a car insurance agent online it is in your best interest to take your time. There is a lot to know and understand when it comes to car insurance.

If you are a new driver or want to know more about insurance terms you can visit the Insurance Information Institute’s website.

The Institute can also give you tips on how to choose an insurance company.

Factors to consider include:

  • Licensing
  • Price
  • Financial stability
  • Customer service
  • Comfort

Because there are so many factors involved, it is important not to simply choose the first one you come across or the cheapest one.

Do you need full coverage or would you be better with just a basic policy? Can you afford to pay a higher deductible and save money on a monthly basis? Is having roadside assistance necessary?

You also should be aware of what the requirements are for car insurance in your state.

This can be found on the website of the National Association of Insurance Commissioners.

Although your insurance agent will have this information, it is always a good idea to be aware of this ahead of time.

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Be Selective

Along with taking your time to do research, you also want to choose your car insurance agent wisely. There is more to choosing a car insurance policy than just how much the premium costs.

One way to get an idea of the rating for a company is by using a website such as J.D. Power and Associates.

You should also look up a company’s financial status.

There are a number of companies that evaluate the financial standings of insurance providers.

A.M. Best shows you what the assets are for each insurance company and gives them a rating. If the company has a letter grade of “A-” or above, it is a good sign.

You want to choose a company that has enough assets to cover current claims as well as those sure to be filed in the future.

Benefits of Using an Agent

Although you can purchase a car insurance policy online, there are many reasons why using an agent is a better way to go.

An agent is someone who is in your corner. They want to keep your business so they will go to bat for you if you ever have an issue with your policy or a claim.

If you need to file a claim your agent can actually file it for you and keep in communication with the other party.

Switching Agents

There may be times when you want or need a different agent, even within the same car insurance company.

Many insurance websites will have a place where you can choose a different agent.

If you are happy with your insurance provider but not your agent, you can just switch agents through the company.

If you are not happy with either your provider or agent, you can find a new agent with a completely different company.

If you are changing agents within the same provider, your new one will inform the other agent for you.

However you find an agent, doing it online is easy and free. The more you understand about the insurance industry and how it works, the more you will be able to get from your insurance policy.

Start searching immediately for car insurance rates by entering your code in the FREE quote box below!

References:

  1. https://www.thebalance.com/how-to-get-your-driving-record-527249
  2. http://teendriving.com/
  3. http://www.iii.org/articles/how-do-i-choose-an-insurance-company.html
  4. http://naic.org/state_web_map.htm
  5. http://www.ambest.com