Top Tips to Find a Car Insurance Agent in San Diego

When shopping for car insurance, you have many choices and finding the best San Diego insurance agency can be more difficult than just picking up the phone. We’re assuming that not only do you want a good agent, but you also want the best rates possible.

With American Family, Allstate, State Farm and Farmers having offices in San Diego, it’s hard to tell which will give you the best rates, service and coverage. To begin, you can use online quotes to assemble a group of agencies to choose from.

Do I just need basic coverages?

When it comes to choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help you determine if your situation will benefit from professional help.

• Who is covered when they drive my vehicle?
• Why does it cost so much to insure a teen driver in San Diego?
• Am I covered if I wreck a rental car?
• Am I covered when driving in Canada or Mexico?
• Should I put collision coverage on all my vehicles?
• Does my policy cover me when driving someone else’s vehicle?
• Am I covered if I drive in a foreign country?
• Do I need to file an SR-22 for a DUI in California?
• Why am I be forced to buy a membership to get insurance from some companies?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent.

Buying car insurance locally

Educated insurance agents can help determine the best coverages and give you someone to call. The best thing about price shopping on the web is the fact that you can find the best rates but still work with a licensed agent. Supporting local businesses is important particularly in San Diego.

By using this quick form, your insurance coverage information gets sent to agents in your area who will give you bids to get your business. There is no reason to visit any agencies because quoted prices will be sent straight to your inbox. It doesn’t get any easier! It’s the lowest rates AND a local agent.

The following are San Diego insurance agents who can help you get price quotes.

Allstate Insurance – 9845 Erma Rd # 212, San Diego, CA 92131 – (858) 689-9000
Farmers Insurance Group – 7297 Ronson Rd, San Diego, CA 92111 – (858) 694-5056
Greg Tasto State Farm Insurance – 10425 Tierrasanta Blvd, San Diego, CA 92124 – (858) 573-6818
Roberto Mancilla Agency – 932 W Palm St, San Diego, CA 92103 – (619) 423-0903
Cres Insurance – 10934 Ironwood Rd, San Diego, CA 92131 – (858) 566-0278
Liberty Mutual Insurance – 9444 Waples St # 150, San Diego, CA 92121 – (858) 558-8311

For a complete listing of San Diego insurance agents, visit this link.

Choosing an insurance agent needs to be determined by more than just a cheap price. These questions are important to ask:

• What will you get paid if your car is a total loss? How is that amount determined?
• Are they able to influence company decisions when a claim is filed?
• What insurance company do they write the most business with?
• What insurance companies do they work with?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Which insurance company do they recommend?

After getting satisfactory answers to these questions and a low price estimate, most likely you have located an auto insurance agent that meets your needs to provide car insurance coverage.

Some additional reading

Much more information about car insurance in California can be found on the website for the California Department of Insurance located here. California drivers can file complaints about a company, file complaints about an insurance agent or broker, read industry bulletins, and find disaster information.

In the end, you save

Drivers switch companies for a number of reasons such as unfair underwriting practices, questionable increases in premium, not issuing a premium refund and delays in paying claims. No matter why you want to switch, finding the right car insurance provider is less work than it seems.

Lower priced car insurance can be found on the web and also from your neighborhood San Diego agents, so you should be comparing quotes from both to get a complete price analysis. Independent agents are able to place your coverage with regional insurance providers who may not provide online quoting.