If you’re trying to find a good insurance agent in Manchester, New Hampshire, you can start your research by comparing rates online in order to save time. It’s likely you’re wanting a professional licensed agent, but you also want the best rates possible.
With insurance companies like State Farm, Allstate, Farmers and independent agents all competing for your business, it’s difficult to determine which one will provide the lowest rates and best service. Fortunately, consumers can use online price quotes to build a list of agents and price estimates.
Quote online, buy local
Insurance agents can answer important questions and give you peace of mind. The biggest benefit of getting online price quotes is you may find the best rates but also keep your business local. And providing support for small agencies is especially important in Manchester.
For easy comparison, once you complete this quick form, your insurance data is instantly submitted to insurance agents in Manchester who will return price quotes for your insurance coverage. You won’t need to leave your computer since price quotes are sent to the email address you provide. How cool is that?!
The type of auto insurance agent you choose is important
When looking for a good insurance agency, there are two different types of agents that you can select. Insurance agencies in Manchester are either independent or captive. Both types can properly insure your vehicles, but it’s good to learn the differences because it can influence your selection of an agent.
Independent Agents
These agents are not employed by any specific company but rather can write business with many different companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally and that require little work on your part.
When comparing rates, it’s a good idea to contact at a minimum one independent agency for the best price selection.
Shown below is a short list of independent insurance agents in Manchester that are able to give rate quotes.
Richard E Kelley Agency – 1117 Elm St – Manchester, NH 03101 – (603) 627-2284
Roger J Belanger Agency – 904 Hanover St # 2 – Manchester, NH 03104 – (603) 622-2969
Connie Cantin Agency – 453 2nd St – Manchester, NH 03102 – (603) 666-3202
Kelly Insurance Inc – 135 Hooksett Rd – Manchester, NH 03104 – (603) 625-9653
Riverfront Insurance Group – 33 S Commercial St – Manchester, NH 03101 – (603) 644-2113
Agency Captives
Captive insurance agents are contracted to one company like AAA, Allstate and State Farm. They are unable to place coverage with different providers so keep that in mind. Captives are usually quite knowledgeable on the products they sell which helps them compete with independent agents.
Shown below is a list of captive agents in Manchester that are able to give comparison quotes.
State Farm Insurance – 1837 Elm St # 1 – Manchester, NH 03104 – (603) 623-4675
Allstate Insurance – 575 S Willow St # 203 – Manchester, NH 03103 – (603) 622-2382
To view a full list of captive insurance agencies in Manchester, visit this site.
Choosing a car insurance agent needs to be determined by more than just the bottom line cost. These questions are important to ask:
- How long has their agency been open in Manchester?
- How are they compensated?
- Are you getting all the discounts the company offers?
- Is their price quote a firm figure or are their hidden costs?
- If your car is totalled, how to they determine the replacement cost?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Do they feel the quoted coverages are adequate?
Upon receiving satisfactory answers for all questions you ask and a low price estimate, most likely you have located a car insurance agent that will provide auto insurance coverage.
The online companies promise big savings
Local insurance agents are perfect for certain consumers, but you can also buy New Hampshire car insurance direct online. Some car insurance companies that are more known for using agents, additionally provide the ability to quote and buy online, and online price comparisons are easy if you are the do-it-yourself type.
If you’re uncomfortable with selecting your own policy coverages when buying online, don’t sweat it. All companies have toll-free phone numbers and other options that you can contact for information. They also make available a frequently asked questions page to make it easier to purchase.
Are online rates lower? Many people think so, but it’s hard to say for sure due to the large number of individual components that are calculated into your premium. Common logic is that buying direct saves the cost of an agent commission. But the reality is getting their brand in front of customers is expensive and that can quickly cost more than paying an agent.
The best way to determine whether prices are lower online or from agents is to get price quotes for both. It’s possible to get different rates from the SAME company depending on if you quote online or with their agents. But it’s impossible to know if the lower rates are from agents or online unless you compare quotes for identical coverages both ways.
Compare but don’t skimp
As you restructure your insurance plan, make sure you don’t sacrifice coverage to reduce premiums. In many instances, someone sacrificed physical damage coverage only to discover later that it was a big error on their part. Your focus should be to find the BEST coverage at a price you can afford while still protecting your assets.
Consumers change insurance companies for a number of reasons such as unfair underwriting practices, not issuing a premium refund, an unsatisfactory settlement offer or even delays in responding to claim requests. It doesn’t matter what your reason, switching auto insurance companies is not as difficult as it may seem.
Additional information can be read on the website for the New Hampshire Insurance Department located here. New Hampshire consumers can file complaints about a company, discover disciplinary actions, and view agent and company licensing information.
