When buying car insurance in Bedford, there are a lot of options and selecting the best Bedford insurance agency for your needs takes more work than just picking up the phone. Consumers require a great agent that can assess your needs, but also need competitive car insurance rates.
Since consumers have many companies to choose from, it can be hard to locate the cheapest insurance company.
Quote online, buy local
Agents can help determine the best coverages and help you file claims. One of the great benefits of getting online price quotes is that you can obtain better rates and still choose a local agent.
Once you complete this simple form, your insurance coverage information is instantly submitted to local insurance agents who will battle for your business. You never need to leave your computer due to the fact that quote results will go to the email address you provide. It doesn’t get any easier!
Selecting an auto insurance agent shouldn’t rely on just the bottom line cost. These questions are important to ask:
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Are they able to influence company decisions when a claim is filed?
- Is the agency involved in supporting local community causes?
- Do the companies they represent have a solid financial rating?
- Did they already check your driving record and credit reports?
Independent or Captive: It’s your choice
When searching for an insurance agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Agencies in Bedford are either independent or captive. Either one can do a good job, but it’s worth learning how they are different since it can impact the selection process.
Captive Insurance Agents
These agents work for only one company and examples are American Family, Liberty Mutual and AAA. These agents are unable to compare other company’s rates so keep that in mind. These agents are trained well on the products they sell which helps them compete with independent agents. Some consumers prefer to purchase coverage from captives mainly due to high brand loyalty and the convenience of having a single billing for all their coverages.
The following are Bedford captive agents that can give you price quote information.
- Liberty Mutual Insurance – 10 Corporate Dr # 100 – Bedford, NH 03110 – (603) 472-7100
- State Farm Insurance – 399 Boynton St – Bedford, NH 03110 – (603) 622-2918
- Allstate Insurance – 178 Route 101 – Bedford, NH 03110 – (603) 472-2599
Independent Insurance Agents
Independent agencies do not work for one specific company but rather can write business amongst many companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies and that require little work on your part.
When comparing rates, we recommend you contact multiple independent agents to ensure the widest selection of prices.Many can place coverage with smaller companies who may have lower rates.
Shown below are independent insurance agents in Bedford willing to provide price quotes.
- Infantine Insurance Inc – 203 Meetinghouse Rd – Bedford, NH 03110 – (603) 669-0704
- Counterpoint Insurance – 36 S River Rd – Bedford, NH 03110 – (603) 645-8600
- CESI Agency-New England Inc – 10 Chestnut Dr # E – Bedford, NH 03110 – (603) 637-1045
For a full directory of Bedford insurance agents, go to this page.
Once you have received acceptable answers to your questions and locked in a price quote, it’s possible that you found a car insurance agent that will properly service your car insurance policy.
What about online companies that cut out the middleman?
Licensed agents serve a purpose, but you also have the option of buying New Hampshire car insurance direct from companies that only sell online. Some specific companies like State Farm and Allstate who sell through the agent channel also let you get a quote and buy online, so keep that in mind if you are the do-it-yourself type.
If you’re concerned about having to choose coverages yourself when buying car insurance direct, don’t sweat it. Online companies all provide contact methods for getting advice on proper coverages. Additionally, most companies also offer extensive coverage information and 24/7 assistance so you can feel comfortable buying online.
Is auto insurance cheaper online? That question is hard to answer due to the fact that there are multiple individual factors that determine your policy premium. It’s a common assumption that buying directly from the company lowers rates due to not having any agent compensation. But that assumption is generally incorrect because promoting brand recognition is pricey and this tends to eat up any savings.
Quote often and quote early
Drivers who switch companies do it for many reasons like extreme rates for teen drivers, high prices, not issuing a premium refund or being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.
Cheap car insurance is definitely available on the web and also from your neighborhood Bedford agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers may not provide you the ability to get quotes online and these small insurance companies work with independent agents.
More detailed New Hampshire car insurance information can be read at the New Hampshire Insurance Department website. New Hampshire consumers can read state legal mandates and laws, file complaints about an insurance agent or broker, and view agent and company licensing information.
Other related articles:
