Finding good car insurance in Trumbull can be challenging since you have many choices and selecting the best Trumbull car insurance agent for your needs takes more work than just randomly choosing from the yellow pages. Consumers need a professional licensed agent, and also the lowest rates in Trumbull.
With so many online and local companies to choose from, it can be hard to pick the cheapest car insurance company.
How to compare Trumbull car insurance rates
Agents are trained to spot inefficiencies and give you peace of mind. The biggest benefit of getting online price quotes is that you can obtain lower rates and still choose a local agent.
After filling out this quick form, your insurance coverage information is submitted to insurance agents in Trumbull who will battle for your business. You won’t need to even leave your home as quotes are delivered directly to your email. It doesn’t get any easier!
Choosing an auto insurance agent should depend on more than just a low price. Ask your prospective agent these questions:
- Which company do they place the most coverage with?
- What insurance companies do they work with?
- Is working in the agency their full-time job?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- What are the financial ratings for the companies they represent?
- Are there any hidden costs in their price quote and does it include driving and credit history?
Two different types of insurance agents
When searching for a reputable insurance agent or broker, you must know there are a couple different agency structures that you can select. Trumbull agents can either be independent or captive. Both properly insure your vehicles, but it’s important to know the difference between them since it can impact your selection of an agent.
Agency Captives
This type of agents write business for a single company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot provide prices from multiple companies so always compare other rates. Captive agents are trained well on their company’s products which helps them compete with independent agents. Consumers often choose to use a captive agent mainly due to high brand loyalty and the convenience of having a single billing for all their coverages.
The following are captive insurance agents in Trumbull that can give you comparison quotes.
- Liberty Mutual Insurance – 35 Corporate Dr # 12 – Trumbull, CT 06611 – (203) 268-8844
- Allstate Insurance – 6515 Main St # 7 – Trumbull, CT 06611 – (203) 261-1114
- State Farm Insurance – 925 White Plains Rd – Trumbull, CT 06611 – (203) 261-2356
Independent Agencies or Brokers
These agents do not work for one specific company but rather can write business with any number of different companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies.
When comparison shopping, it’s recommended you include price quotes from several independent insurance agents to get the best comparison. They often place coverage with smaller companies who may have lower rates.
Listed below is a short list of independent insurance agents in Trumbull willing to provide price quotes.
- Frazao Insurance – 945 White Plains Rd – Trumbull, CT 06611 – (203) 459-9999
- Adam Miller Agency LLC – 6200 Main St – Trumbull, CT 06611 – (203) 261-5090
- Terry L Linane Agency – 6515 Main St # 2a – Trumbull, CT 06611 – (203) 261-6575
- Shildneck and Assoc Insurance – 2941 Nichols Ave – Trumbull, CT 06611 – (203) 380-0453
For a full directory of licensed insurance agents in Trumbull, view this link.
Once you have received positive responses to any questions you have and an affordable coverage quote, you may have just found an insurance agent that meets your needs to service your policy.
Does buying direct online get me lower rates?
Auto insurance agents are a valuable resource, but you also have the option of buying Connecticut car insurance directly from online companies. Certain companies like Allstate and State Farm that are more known for using agents, also give you the option to quote and buy online, and that can save time if the lowest rate is your goal.
If you’re anxious about choosing your own coverages when buying online, that is normal but is not a big issue. Online insurance companies that require consumers to choose their own coverages have customer service departments to walk you through the process. Many online companies also provide online education and live help anytime that you can use before buying.
Can you save money buying online? It’s difficult to provide an answer because there are many components that influence the price you pay. Common sense would say that going direct saves money by not requiring a commission. In many cases, getting their brand in front of customers is expensive and this tends to eat up any savings.
Additional detailed information is available at the Connecticut Insurance Department website. Consumers can file complaints about an insurance agent or broker, discover disciplinary actions, and read state legal mandates and laws.
Additional helpful sites include this resource for Connecticut car insurance prices and CarInsuranceDIY.com.
Quote often and quote early
Lower-priced car insurance can be purchased from both online companies and with local Trumbull insurance agents, so compare prices from both to have the best selection. Some car insurance companies do not offer online price quotes and many times these smaller companies only sell through independent insurance agents.
People leave their current company for a number of reasons such as poor customer service, not issuing a premium refund, an unsatisfactory settlement offer or even lack of trust in their agent. No matter why you want to switch, switching companies is less work than it seems.
