Working with an insurance agency is a great point to start when looking for an insurance quote. Agents understand the market and know what's best. An agent will also ensure you are not over-insured or underinsured.

Given that most agencies write and bind policies through various insurance companies, it is easier for them to give you multiple competitive insurance quotes. What are the ideal situations to request car insurance quotes? Here are a few of them.

Traffic citations and accidents can adversely impact your insurance premiums and may even affect your ability to get covers from certain providers. However, with the right agency, you can always find an insurance company willing to insure your car even though you might have to pay higher premiums.

Most premium increases can last for up to five years. However, this is dependent on various factors, including the state, who was at fault, the type of violation, among others. Therefore, it is important to request car insurance quotes once the violation or citation has been dropped from your records.

If you are looking to purchase a home, you will need homeowners' insurance. Insurance companies are more likely to vouch for your eligibility if you buy more than one policy from them. They will also give you a discount on both your home and auto insurance quotes. Before purchasing an auto insurance cover, remember to ask if the insurer offers multi-policy discounts.

After purchasing a car, most people call their insurance agent and switch the vehicles to their current policy. Although this may seem like a good option, it can easily turn disastrous.

Changing vehicles affects your premiums. For example, the new car can increase the insurance company's cost of repairs. On the other hand, it can lower your car insurance costs if it has advanced safety measures. That's why you should always get new insurance quotes every time you purchase a new or used car.

Getting a car insurance quote allows you to get an agent to trust and work with long-term. Agents are obligated to take care of their customer's interests and work with them long after the papers have been signed.

Working with an agent right from the consultation stage allows you to vet their expertise, ability to handle questions and requests for clarification, and customer service skills. That way, you will be sure that you will get the most competitive car insurance quotes.

Getting car insurance is essential for any car owner since it protects you against risks that come with owning a car. Contact FLB Insurance Agency to learn more about car insurance or insurance in general. Contact us today to get an insurance quote for your car, home, boat, motorcycle, or even your business.