For most people shopping for car insurance is a dreaded task. It can almost be compared to getting a filling; no one really likes visiting a dentist do they? With some help from the guide we hope to make your insurance shopping experience just a little bit better.
Before you can go about shopping for insurance, you must determine what types of coverage and amounts for each type of coverage purchased that you will need. Older cars typically do not need the more expensive comprehensive and collision coverage. This can often add up to an amount that is more than the car is worth. On the other hand financed vehicles will be required to carry this type of coverage.
That really doesn’t answer the question of whether you should use a local agent, or if you should stick with a nationally branded and recognized carrier like Geico or Progressive. This choice often boils down to a personal preference, a local agent is someone you can go visit and talk with in detail. Local agents are often active in the local community and will take a personal interest in what suits you best. Often times once they get to know you they can recommend a policy that will suit your specific needs.
The larger national chains like Geico and Progressive often times have a local agent, is just up to you to find them. Some large insurance companies franchise offices within communities. This is especially true for State Farm, Allstate, and Nationwide. Many of these types of agents provide the best service. The thing to keep in mind is that the local agent is reselling a policy. They do not directly pay out claims or even handle your claim in most cases. They operate by earning a commission on each insurance policy they sell. In addition when you renew your policy with your local agent they will earn another commission.
In San Francisco there are many local agents that will be more than happy to work with you to determine your auto insurance needs. Here are a few to help you get started in the decision-making process;
Related posts: