If you’re looking for an insurance agent in Newton, Massachusetts, you can always do an initial search by comparing prices online to save yourself time. Chances are that not only do you want a good professional insurance agent, but you also need the best rates possible.
With companies like independent agents, Allstate and State Farm all competing for business in Newton, it can be hard to know which one will give you the best rates, service and coverage. Fortunately, consumers can use online quotes to build a list of insurance agents and price estimates.
Your local neighborhood insurance agent
Insurance agents can point out coverage gaps and help in the event of a claim. The best thing about price shopping on the web is that you can obtain the best rates but also keep your business local. And supporting small agencies is important particularly in Newton.
To help locate an agent, after submitting this form (opens in new window), the quote information gets sent to local insurance agents who will battle for your coverage. You won’t need to visit any agencies due to the fact that quote results will go immediately to your email address. How cool is that?! You’ll get the best rates and a licensed agent to work with.
To view a list of agents in Newton to contact, please click here.
Choosing a car insurance agent needs to be determined by more than just the price. Ask your prospective agent these questions:
- How are they compensated?
- How many years of experience in personal lines insurance coverages do they have?
- What insurance companies do they recommend if they are an independent agent?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they specialize in personal lines coverage?
- Is assistance available after office hours?
- How long has their agency been in business in Newton?
- What insurance company do they write the most business with?
Once you have answers to your satisfaction to these questions and an affordable coverage quote, you have narrowed it down to an auto insurance agent that meets your needs to adequately provide car insurance.
Aren’t online-only companies cheaper?
Licensed agents are perfect for certain consumers, but Massachusetts drivers can also buy direct online. Even companies, such as State Farm, Allstate and Farmers, who sell through the agent channel additionally provide the ability to buy direct on their websites, and that is helpful if the lowest rate is your goal.
If you’re uncomfortable with not having professional advice when shopping online, don’t sweat it. All companies all have toll-free customer service for customer questions. Additionally, most companies also offer online help and live chat to help you make a buying decision.
Can buying online lower your premiums? That is a tough question to answer since there may be dozens of rate factors that determine the price you pay. It would make sense to think that purchasing direct online cuts out the middleman. For most companies selling online, however, promoting brand recognition is pricey and that can quickly cost more than paying an agent.
If you’re not set on any one company, the best way to find out where you can get the lowest rate, either online or from agents, is comparing rate quotes from both. You can actually get different rates from online quotes as compared to agent rates for the same auto insurance company. It’s just impossible to know whether online or agents have the lower rates until you actually compare rates for both.
Smart shoppers get results
People leave their current company for a number of reasons such as not issuing a premium refund, questionable increases in premium, an unsatisfactory settlement offer and denial of a claim. Whatever your reason, finding a great new company is not as difficult as it may seem.
As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. Too many times, someone sacrificed comprehensive coverage or liability limits and learned later that it was a big error on their part. Your focus should be to buy a smart amount of coverage at the best price.
Much more information about car insurance in Massachusetts is located on the website for the Massachusetts Division of Insurance located here. Massachusetts drivers can learn about specific coverages, find out which companies have the most complaints, view agent and company licensing information, and find disaster information.
Other informative sites include NAIC.org’s Understanding your Policy and CarInsuranceDIY.com.
