If you’re looking to buy auto insurance, you have many choices and picking a good Massachusetts car insurance agent is harder than just randomly choosing from the yellow pages. You require a good professional insurance agent, and also the best price on auto insurance.
Since consumers have many insurance providers from which to choose, it can be hard to choose the cheapest company.
Quote online, buy local
Good agents are trained to spot inefficiencies and help in the event of a claim. One of the best bonuses of getting online price quotes is that you can obtain the lowest rates but also keep your business local.
To help locate an agent, after submitting this form (opens in new window), your coverage information is transmitted to local insurance agents in Haverhill who will give you bids to get your business. There is no reason to visit any agencies as quotes are delivered straight to your inbox. Now that’s easy!
Deciding on a car insurance agent requires more thought than just the bottom line cost. Some important questions to ask are:
- Do they feel the quoted coverages are adequate?
- Are they able to influence company decisions when a claim is filed?
- What insurance companies do they recommend if they are an independent agent?
- Does the agency have a good rating with the Better Business Bureau?
- Will your rates increase after a single accident?
- What insurance company do they write the most business with?
- Do the companies they represent have a solid financial rating?
- Does the agency support the community they serve?
Pick the best insurance agency in Haverhill for you
If you’re trying to find an insurance agent, you need to know there are two types of agencies to choose from. Insurance agencies in Haverhill are either independent (non-captive) or captive. Either one can properly insure your vehicles, but it’s worth learning the differences since it may influence your agent selection.
Captive Agents
These agents write business for a single company and some examples include Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to compare other company’s rates so they have to upsell other benefits. They are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
Independent Agencies or Brokers
Independent insurance agents are not required to write business for one company but rather can write business with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent.
When comparing rates, it’s a good idea to include at least one independent agent for the best price selection.
Shown below are independent insurance agents in Haverhill willing to provide price quote information.
Davis Davis and Moody Insurance – 40 Kenoza Ave – Haverhill, MA 01830 – (978) 373-1347
Phaneuf Insurance Inc – 123 Lafayette Sq – Haverhill, MA 01832 – (978) 372-3636
For a full directory of Haverhill insurance agents, visit this site.
Upon getting reasonable responses to your questions in addition to an acceptable price estimate, you’ve probably found an insurance agent that is a good match to insure your vehicles.
You have the option to buy car insurance direct online
Insurance agencies can be invaluable at times, but you can also find affordable Massachusetts auto insurance from companies direct over the internet. Some companies, such as State Farm, Allstate and Farmers, who sell through the agent channel also allow you to buy a policy online, so that should be considered and can also potentially find you lower rates.
If you’re worried about selecting your own policy coverages when buying online, that shouldn’t be an issue. All companies provide customer service that you can contact for information. They also have 24/7 live help and a car insurance FAQ section so buying online is not difficult.
Will buying online save you money? That is a tough question to answer since there may be dozens of rate factors that are calculated into your premium. Common logic is that buying directly from the company lowers rates due to not having any agent compensation. In reality, getting their brand in front of customers is expensive so the lack of a commission may be a wash.
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 to take the time to compare rates from both. Lots of times people will get different prices from the same car insurance company depending on where you get the price quote from. But you won’t know if the company’s rates are lower online or from an agent without quoting identical coverages from both ways.
Additional detailed information can be read at the Massachusetts Division of Insurance website. Visitors are able to learn about insurance regulations, get help finding coverage, and find out industry alerts.
Also read more on III.org’s auto insurance page and this page of insurance agents in Haverhill.
Final thoughts
When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. In too many instances, someone dropped collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the best price while still protecting your assets.
Drivers leave their current company for a variety of reasons including policy non-renewal, being labeled a high risk driver, poor customer service and even unfair underwriting practices. It doesn’t matter what your reason, choosing a new insurance company is not as difficult as it may seem.
