The good thing about being in the same city as a number of car insurance agents is that you know who has a good reputation and who isn't. You can call the first place you see to get a quote or go online to get quotes from multiple companies. Either way, you should get a few options, and it's easy to see who seems to be more reputable.
It's important that you ask about the rates of the different car insurance companies near you, so you don't end up paying too much. Some companies will charge less for the same level of coverage than another, but this doesn't mean that you can't get any other policy at all. It simply means that the one you choose will be the one that has the lowest price.
Insurance brokers also give you discounts on policies, but these are usually limited in time. You might get a discount if you have been using the same company for a while, and you won't qualify for it if you're changing insurance companies. However, some insurers offer free quotes. If you don't have time to sit down with a number of agents, it might be worth your while to search the internet for companies near you that offer discounts for being a customer of theirs for many years.
In addition to discounts, some auto insurance brokers have special discounts available to people who take their policies with them when they go shopping for a new vehicle. Some brokers may even give you an incentive, if you purchase through them, such as a rebate on the purchase cost of your new vehicle. Of course, you'll need to make sure that you are aware of any discounts before you decide which agent to use.
You can also find out which car insurance agents near you offer discounts for good grades and volunteer work with kids or animals. If you have kids, you may find that they are eager to help out their parents in the form of a discounted policy. Or maybe a pet will benefit from a discount because they are a member of your family. No matter what, you'll want to find out what type of discounts you'll qualify for and take advantage of them.
Finally, you can also find out about car insurance agents near me that will provide additional perks, like emergency roadside assistance or a car tracking device. This will be helpful in times when you might need some extra help navigating unfamiliar streets and areas.