How do I find the best car insurance agent?

Finding the best car insurance agent can begin with finding a company first, and then asking for recommendations. The best car insurance agent should be someone you can trust.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 19, 2021

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Here's what you need to know...

  • Choosing the best car insurance company can be a difficult task
  • You should be able to trust your car insurance agent and they should be able to provide you with any information you request
  • Make sure to check the financial stability of the insurance company you decide to go with
  • When searching for an agent, ask friends and family who have made claims what their recommendations are
  • If you choose a company first and then wish to find an agent in within that company, ask the regional manager for a recommendation

Having the best car insurance agent can make all the difference for a policyholder. Agents who excel have some things in common:

  • They offer useful advice on your best car insurance choices.
  • They educate you about the different aspects of auto insurance.
  • They will even help you save money by providing tips and guidance.

For these reasons it is important to find the best car insurance agent possible to help you meet your auto insurance needs. Enter your ZIP code above to start comparing FREE quotes from top auto insurance agents online!

Knowing What Makes an Excellent Car Insurance Agent

Before you go about seeking out the best car insurance agent for you, it is important to know exactly what makes one agent better than another.

A high level of knowledge about the field of insurance is very important for an agent to possess. He or she should be able to answer your questions without hesitation and even provide useful information that you had not thought to ask.

The best car insurance agents are honest and trustworthy. If you have a feeling that your agent is simply saying what he thinks you want to hear, listen to your instincts, and find another agent.

Good agents are thorough and will take adequate time with you so that you feel that all your questions have been answered and you have not been rushed.

Superior agents are committed to good service and will always do their best to make sure you are treated as a valued client. This is often proven during the claims process.

If you have to make a claim, the way your agent treats you will speak volumes. If you are not treated the way you expect to be treated, at renewal time you should look for a new company or at least request a new agent.

The best car insurance agents represent auto insurance companies of quality. It is important that the agent you select represents a solid company with a good reputation for service and a reliable financial outlook.

You can check out how a company fares by getting its rating from one of the independent insurance rating companies like:

A company with an “A” or better rating is a very good choice as far as their financial stability is concerned.

The individual agent should also have a good record. By checking with your state’s department of insurance, you can find out whether or not there are complaints against an agent you are considering using.

Be wary of agents with multiple complaints, especially if complaints are based on issues of trust.

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Ask for Personal Recommendations

As with practically any decision that you need to make concerning an investment or purchase, recommendations from those you know and trust will typically carry the most weight.

Therefore, if you are looking for the best car insurance agent, it is a good idea to talk with family, friends, neighbors, and co-workers and ask them if they have an outstanding car insurance agent that they can recommend.

Be sure to ask those who have actually had occasion to make claims. It is easier for an agent to be patient and helpful during the selling process. However, the true test of his or her merit comes when an accident or loss occurs and a stressed client calls for help.

Put the most weight on recommendations from those you trust who have actually had to use their auto insurance policy.

Putting the Cart Before the Horse

Rather than looking for the best car insurance agent, more and more consumers are looking first for the best policy at the best price. There are few people who are willing to pay extra for their car insurance just so they can have the best agent.

Typically, car owners in the market for an insurance policy will begin by shopping around for the best price.

When they have chosen their next car insurance policy based on price, the stability of the insurer, coverage, and other variables, agents are often assigned randomly based on where the policyholder lives.

However, if you find that the car insurance agent who is assigned to your policy is not a good fit for you, you can request that your policy is transferred to another agent within the same office or, for big insurance companies, to another branch of the same firm.

The ideal way to make sure you get the best car insurance agent within the company you have chosen is to speak with the manager of the branch and tell him or her what type of agent you are looking for.

If you live in a small area, you may also be able to easily find out who is the best at a specific company by asking around.

Start Finding the Best Auto Insurance Agent

When you are ready to find a new car insurance policy, start by getting a variety of quotes using a car insurance quote tool that will provide you with quotes from local agents.

By comparing the prices, policies, and companies first, you will be on the right track to finding the best car insurance agent for your needs. Start comparing car insurance now!

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