Finding good auto insurance in Londonderry can be challenging since picking a good New Hampshire car insurance agent is more difficult than just using the same insurance agent as your neighbor. It’s highly likely you’re looking for a professional agent, but also the lowest possible price.
With Allstate, Farmers and State Farm as well as independent agents all competing for business in Londonderry, it’s difficult to determine which one will provide the lowest rates and best service. Fortunately, it’s easy to use online price quotes to build a list of insurance agents and price estimates.
Why do I need an agent?
Agents can answer important questions and help submit paperwork. The biggest benefit of price shopping on the web is you can get the lowest rates and still have an agent to talk to. And supporting local agencies is definitely important in Londonderry.
Upon completion of this short form, the quote information gets sent to participating agents in Londonderry who will give you bids to get your business. There is no reason to leave your house due to the fact that quote results will go directly to your email. How cool is that?! You can find the lowest rates and work with a local agent.
Londonderry insurance agents are either independent or captive
When researching a good Londonderry insurance agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Agents can either be captive or independent (non-captive).
Independent Insurance Agents
Independent agencies are not employed by any specific company but rather can write business with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent.
When comparison shopping, we recommend you include price quotes from at a minimum one independent agency for maximum quote selection. Many write coverage with different regional companies which may provide better rates.
Shown below is a short list of independent agencies in Londonderry that are able to give rate quotes.
- Headd Agency – 50 Nashua Rd # 208 – Londonderry, NH 03053 – (603) 432-4337
- Pollack Insurance – 12 Parmenter Rd # D1 – Londonderry, NH 03053 – (603) 432-2011
- Whittemore Insurance – 501 Mammoth Rd – Londonderry, NH 03053 – (603) 432-2577
Captive Insurance Agents
Captive agents are contracted to one company and examples are AAA, Allstate and State Farm. They are unable to give you multiple price quotes so they have to upsell other benefits. Captives are trained well on their products and sales techniques which can be an advantage. Consumers sometimes buy from captive agents mainly due to high brand loyalty and solid financial strength.
Listed below is a short list of captive insurance agents in Londonderry who can help you get rate quotes.
- State Farm Insurance – 1 Commons Dr # 3 – Londonderry, NH 03053 – (603) 434-0400
- Allstate Insurance – 3 Orchard View Dr # 2 – Londonderry, NH 03053 – (603) 437-6800
- Liberty Mutual Insurance – 25 Orchard View Dr # 12 – Londonderry, NH 03053 – (603) 432-8967
For a full directory of captive insurance agencies in Londonderry, please click here.
Picking a car insurance agent shouldn’t rely on just the bottom line cost. Some important questions to ask are:
- Is assistance available after office hours?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Does the company allow you to choose your own collision repair facility?
- How are claims handled?
- What insurance companies do they recommend if they are an independent agent?
- Which company do they place the most coverage with?
- Do they feel the quoted coverages are adequate?
Upon receiving satisfactory answers to these questions and locked in a price quote, chances are good that you have found an insurance agent that is a good match to adequately provide auto insurance.
Online car insurance providers
Licensed agents serve a purpose, but you also have the option of buying from online companies direct. Certain companies that are more known for using agents, also allow consumers to buy direct on their websites, so keep that in mind as an alternative to contacting agents.
If you’re anxious about not getting proper coverage, this is a normal reaction for first-time shoppers. Companies that require consumers to choose their own coverages give you access to trained agents that you can contact for information.
Is auto insurance cheaper online? That question is hard to answer because there are so many things that can increase policy rates. Common sense would say that buying direct saves the commission normally paid to an agent. In many cases, getting their brand in front of customers is expensive and that can quickly cost more than paying an agent.
To learn more about auto insurance in New Hampshire
More information can be found on the New Hampshire Insurance Department website through this link. Consumers can report car insurance fraud, read industry bulletins, file complaints about an insurance agent or broker, and view a list of available companies.
More related Londonderry auto insurance information:
Keep this in mind
Budget-conscious auto insurance is available on the web as well as from independent agents in Londonderry, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies don’t offer online price quotes and these small, regional companies work with independent agents.
When trying to cut insurance costs, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
