If you’re looking for a licensed insurance agent in Quincy, we recommend you start your search using online quotes to save time. Consumers need a decent agent, and also want to find cheap rates.
Drivers have so many car insurance agents to buy insurance from, and although it’s a good thing to have multiple companies, it can be more challenging to find a good deal.
How to find Quincy insurance agents online
Licensed agents can help determine the best coverages and help submit paperwork. The biggest benefit of getting online price quotes is the fact that you can find the best rates but also keep your business local.
To find an agent, once you fill out this quick form, the quote information is transmitted to local insurance agents in Quincy who will give you bids for your insurance coverage. There is no reason to drive around due to the fact that quote results will go directly to your email. Now that’s easy! You’ll get the best rates and work with a local agent.
Choosing an auto insurance agent shouldn’t rely on just the bottom line cost. These are valid questions to ask:
- Who is covered by the car insurance policy?
- What insurance companies do they recommend if they are an independent agent?
- If your car is totalled, how to they determine the replacement cost?
- What is the agency’s Better Business Bureau rating?
- How many years of experience in personal lines insurance coverages do they have?
- Are you getting all the discounts the company offers?
- Are they full-time agents?
- Do they assist clients in filing claims?
Insurance agencies in Quincy come in two varieties
When searching for local Quincy agents, there are two different agency structures that differ in how they can insure your vehicles. Insurance agencies in Quincy are classified as either captive or independent (non-captive).
Captive Insurance Agents
This type of agents are contracted to one company and some examples include Allstate, Farmers Insurance or State Farm. They are unable to place coverage with different providers so they have to upsell other benefits. Captive agencies are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers often purchase coverage from captives partially due to high brand loyalty and solid financial strength.
The following is a short list of captive insurance agencies in Quincy willing to provide comparison quotes.
- Allstate Insurance – 4 Batterymarch Park – Quincy, MA 02169 – (617) 328-3905
Independent Agencies or Brokers
Independent agents are not required to write business for one company but instead can place your coverage amongst many companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies.
When searching for an agent, you should always include at a minimum one independent agency for the best price selection. Many write coverage with lesser-known insurance companies which can be an advantage.
Listed below is a list of independent insurance agencies in Quincy that are able to give price quotes.
- Adams Agency Inc – 1212 Hancock St – Quincy, MA 02169 – (617) 376-9935
- Hurley Insurance Inc – 1245 Hancock St – Quincy, MA 02169 – (617) 773-3345
- ATA Insurance Inc – 40 Willard St # 202 – Quincy, MA 02169 – (617) 773-3800
To view a full list of insurance agents in Quincy, simply jump to this page.
After getting reasonable responses to your questions and locked in a price quote, chances are good that you have found an insurance agency that can service your policy.
Alternatives to buying from an agent
Insurance agencies can be invaluable at times, but you also have the option of buying direct from companies online. Some specific companies who have local agents in Quincy also allow you to buy direct online. This is something to consider as an alternative to contacting agents.
If you’re concerned about choosing your own coverages when buying direct, this really isn’t an issue. Auto insurance companies that allow you to purchase coverage provide phone numbers and online resources to help you decide which coverages are appropriate.
Do customers save by switching to an online company? It’s difficult to provide an answer because there are so many things that impact your rate calculation. It’s often assumed that purchasing direct online prevents the agent from taking a cut. But truthfully, promoting brand recognition is pricey so there may not be significant savings.
Buy online or local, you save
Insureds who switch companies do it for a number of reasons such as being labeled a high risk driver, high rates after DUI convictions, denial of a claim or even not issuing a premium refund. Whatever your reason, switching companies can be easier than you think.
Lower-priced car insurance can be purchased online as well as from independent agents in Quincy, so you should be comparing quotes from both to get a complete price analysis. A few companies don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
Additional Massachusetts car insurance resources
More tips and info about car insurance is located at the Massachusetts Division of Insurance website. Consumers can read enforcement actions against agents and companies, report car insurance fraud, and find disaster information.
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