When shopping for car insurance, you have many choices and choosing the right East Haven car insurance agent takes more work than just calling the closest agent. For the sake of this article, we’ll assume you not only want a professional agent, but you also need the best rates possible.
With insurance companies like State Farm, Allstate and many independent agents having offices in East Haven, consumers have a hard time knowing which car insurance agent will provide the cheapest rates and the best coverage. To help decide, you can use online price quotes in order to build a list of agencies from which to choose.
How to buy car insurance from an agent in East Haven
Professional agents can point out coverage gaps and help in the event of a claim. The biggest benefit of comparing insurance prices online is that you can obtain better rates but still work with a licensed agent. Buying from small agencies is important especially in East Haven.
To make it easy to find an agent, after completing this short form, your insurance coverage information is immediately sent to agents in your area who will battle to get your business. There is no need to leave your computer since price quotes are sent directly to your email. It doesn’t get any easier! You can find the lowest rates and work with a local agent.
Pick the best insurance agent in East Haven for you
When researching a good East Haven insurance agent, there are two types of insurance agents that differ in how they can insure your vehicles. Agencies in East Haven are classified as either independent or captive.
Independent Agents
Independent agencies are not locked into one company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part. When searching for an agent, we recommend you include several independent insurance agents to ensure the widest selection of prices.
Below are East Haven independent insurance agencies that are able to give rate quotes.
Beisler Insurance – 42 Thompson St # 2e – East Haven, CT 06513 – (203) 467-3539
Webster Insurance – 100 S Shore Dr – East Haven, CT 06512 – (203) 468-3400
Agency Captives
Captive insurance agents have only one company to place business with like State Farm, AAA, Farmers Insurance or Allstate. They usually cannot give you multiple price quotes so they have no alternatives for high prices. They are trained well on the products they sell and that can be a competitive advantage.
Shown below are East Haven captive agents willing to provide comparison quotes.
State Farm Insurance – 691 Foxon Rd – East Haven, CT 06513 – (203) 467-8900
Allstate Insurance – 426 Main St – East Haven, CT 06512 – (203) 469-2289
To view a complete directory of captive agencies in East Haven, please click here.
Selecting an insurance agency shouldn’t rely on just the price. Ask your prospective agent these questions:
- Does the agency have a good rating with the Better Business Bureau?
- Do they assist clients in filing claims?
- Which company do they place the most coverage with?
- Does the agency provide any after hours assistance?
- Is vehicle damage repaired with OEM or aftermarket parts?
Upon getting positive responses and locked in a price quote, you’ve probably found a car insurance agent that meets your needs to adequately provide car insurance.
Also think about buying car insurance direct
Professional insurance agents are perfect for certain consumers, but you also have the option of buying Connecticut car insurance from online companies direct. Some car insurance companies like State Farm and Allstate who have local East Haven agents also allow you to buy online, so that should be considered if you’re trying to lower your rates.
If you’re concerned about selecting your own policy coverages, don’t be too concerned. All companies that allow you to purchase coverage all have client service departments that you can contact for information.
Are online rates lower? That is a tough question to answer since there are many things that determine the price you pay. You may think that a customer who purchases direcly from an online company saves money because there is no agent involvement. For most online online companies, however, it’s expensive to advertise and those expenses can offset most of the savings by selling direct.
Keep this in mind
Budget-conscious car insurance is attainable online as well as from independent agents in East Haven, so you should compare both so you have a total pricing picture. Some insurance companies don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.
Consumers who switch companies do it for many reasons like poor customer service, high prices, extreme rates for teen drivers and not issuing a premium refund. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.
Additional car insurance information can be read on the website for the Connecticut Insurance Department. Click here for link. Connecticut consumers can find a variety of consumer forms, get help finding coverage, and download brochures.
The articles below may also help you learn more about car insurance in East Haven
