Rated “Best Auto Insurance Agency” in Yakima WA

Auto Insurance

At Yakima Valley Insurance we have many home insurance options. We work with several A-Rated Home Insurance Companies which allows us to shop for the best price and the best coverage for each customer’s unique situation.

Auto Insurance Agent

When looking for an insurance agent, the best place to start with is people you know. Ask friends and family for referrals to good local car insurance agents.  The search for a good insurance agent is similar to searching for a good financial advisor or doctor, however make sure you understand what an auto insurance agent really is.

A few considerations when searching for a car insurance agent

  1. How many companies do they have access to provide offers from? If they can only offer one company, this means they are captive to that one auto insurance company.  This also means they are just a sales person, not an adviser for you.  Many times this is where people think they are saving money on auto insurance, but end up just buying less coverage.
  2. Are they required to provide a specific car insurance companies offer first.  Some auto insurance companies require their agents to offer their product first even if it is not right for you.
  3. Is the agent trying to get to know you so they can match your needs with the coverage’s you are searching for
  4. Be aware of agents who simply want to give you the cheapest car insurance price.
  5. If the new car insurance is less expensive, ask them what is missing!  In our experience, most people end up just buying less because something was either missing that you already had or the insurance agent cut coverage

Captive Insurance Companies

  • Allstate Insurance
  • American Family
  • American National
  • Country Financial
  • Farmers Insurance
  • State Farm Insurance

Captive Insurance Agents

Local Insurance Agents that work for the above companies are restricted by the company they work for.  While they may act like they are providing choices, they can only offer you the one product from the insurance company they work for.  While the car insurance seems like it may fit your needs, many times you can purchase a better product from a different company at the same or less money.

Auto Insurance Broker

An auto insurance broker is someone who does not have access to any one company but they can search the market for you.  With this type of insurance professional, they will not have any authority with the auto insurance company you choose, so the service to you will be limited.

Independent Insurance Agents

The perfect balance of the two above, Independent Insurance Agents have authority with not one, but many different insurance companies.  They are not forced to sell you something that doesn’t work for you.  These guys and gals work hard to match your needs with affordable auto insurance that fits your budget.

Independent Auto Insurance Companies

  • Allstate Insurance
  • American Modern Insurance Group
  • Berkshire Insurance
  • Dairyland Insurance
  • Foremost Insurance
  • Grange Insurance
  • Hartford Insurance
  • Mutual of Enumclaw
  • Nationwide Insurance
  • National General Insurance
  • Pemco Insurance
  • Progressive Insurance
  • Safeco Insurance
  • Travelers Insurance

Direct Insurance Companies

A direct insurance company is one who skip using a local insurance agent altogether. The consumer can access a direct insurance company either by phone or online only. When purchasing from a direct insurance company often times price becomes the only factor in the purchasing decision. When price is the sole factor, the quality of the insurance policy will typically suffer. Often times consumers will be told they have purchased “full coverage” when in fact they have the minimum insurance required by their vehicles’s lienholder. Often time it is not until claim time that the insured realizes the misfortune of sacrificing their coverage for price.

Direct Insurance Companies

  • Amica
  • Esurance
  • Geico
  • Lemonade
  • Liberty Mutual
  • Metromile
  • Progressive
  • USAA Insurance