Hardly. In the state of California any transaction involving insurance has to be purchased through a licensed agent. Although getting an auto quote online has grown in popularity, when it comes time to purchase the policy, the consumer still must talk to an agent. Auto insurance agents can help you save a lot of money, but if you're getting a quote from just one company, you're limiting your options.
An independent agent, who represents multiple carriers, knows each carriers available programs, and the discounts that they offer. This is important because not all carriers are the same. They each offer different coverages for different risks. The agent will ask you questions to determine what coverage will be best for you, finds discounts to apply, and then shops to find the company and price that best fits your needs. It is done in an instant quote that is usually faster than going online yourself and doing it solo.
What I've found interesting is that when I talk to potential customers who have gone online and gotten auto quotes, is that they usually don't understand the different coverages. In the end, they wind up at the mercy of the insurance company.
A knowledgeable independent agent can explain the different coverages and apply discounts to save you a ton of money. Just make sure you talk to a reputable agent. Ask friends for a referral to a good agent they might know. Some agents charge a fee, and some don't.
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A full service insurance agency specializing in Personal, Commercial and Life insurance.
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