When pricing auto insurance in Nashua, New Hampshire, you have many choices and choosing the right Nashua auto insurance agent takes more work than just calling the closest agent. It’s likely you’re looking for an excellent agent, but you also need affordable coverage.
With companies like State Farm, Allstate and many independent agents having offices in Nashua, consumers have a hard time knowing which insurance agency will provide the best rates, service and coverage. Fortunately, consumers can use online price quotes in order to build a list of agencies from which to choose.
Local Nashua agents and auto insurance
Good agents can point out coverage gaps and give you someone to call. One of the great benefits of comparing rates online is the fact that you can find better rates but also keep your business local. Supporting local businesses is definitely important in Nashua.
After filling out this short form, your information is immediately sent to participating agents in Nashua who will give you bids for your insurance coverage. There is no reason to visit any agencies due to the fact that quote results will go directly to your email. It doesn’t get any easier! You’ll get the best rates and work with a local agent.
Two different types of insurance agents
When finding a reputable insurance agent or broker, you need to know there are two different agency structures to choose from. Insurance agencies in Nashua can either be independent or captive.
Independent Agencies or Brokers
Independent agencies are not locked into one company but rather can write business amongst many companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies. When comparing rates, you should always include multiple independent agents for the best price selection. They often place coverage with smaller regional carriers which can be an advantage.
Below are Nashua independent insurance agents that may be able to provide pricing information.
- Amoskeag Insurance Corp – 31 Elm St – Nashua, NH 03060 – (603) 883-5591
- Gate City Insurance Group – 3 Taggart Dr # F – Nashua, NH 03060 – (603) 888-9911
- Bergeron Agency – 361 Main St – Nashua, NH 03060 – (603) 881-7708
Captive Insurance Agents
Captive agencies work for only one company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are not able to provide prices from multiple companies so keep that in mind. These agents are usually quite knowledgeable on their company’s products which can be an advantage. Consumers often buy insurance from these agents mostly because of the prominence of the brand and the convenience of having all coverages with one company.
Below is a short list of captive agents in Nashua willing to provide comparison quotes.
- Allstate Insurance – 505 W Hollis St # 204 – Nashua, NH 03062 – (603) 882-7891
- State Farm Insurance – 180 Amherst St – Nashua, NH 03064 – (603) 882-4190
- Liberty Mutual Insurance – 33 Trafalgar Sq – Nashua, NH 03063 – (603) 595-0900
To view a complete directory of captive agents in Nashua, please go to this site.
Deciding on an insurance agency needs to be determined by more than just a cheap price. Here are some questions to ask:
- How much can you save by raising your physical damage deductibles?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Are claims handled at the agent’s location?
- Do they make recommendations based only on price?
- Can they provide you with a list of referrals?
- How long have they worked with personal auto insurance coverage?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Upon receiving satisfactory answers and a low price estimate, you have narrowed it down to a car insurance agent that will provide auto insurance coverage.
Have you considered online alternatives?
Local insurance agents can be invaluable at times, but you also have the option of buying New Hampshire car insurance from companies direct over the internet. Some car insurance companies, such as State Farm, Allstate and Farmers, that are more known for using agents, also allow you to buy a policy online, and online price comparisons are easy.
If you’re anxious about choosing your own coverages when shopping online, that should not be a issue. Online companies all provide contact methods to help you decide which coverages are appropriate. You can also use the ability to chat online live with a sales rep and online research that can help answer basic questions.
Are online rates lower? It’s hard to say exactly because there are many components which can adversely affect your policy premium. It’s a common assumption that a consumer who buys direct saves the commission normally paid to an agent. But truthfully, it’s expensive to advertise and that can quickly cost more than paying an agent.
Compare but don’t skimp
While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
Low-cost auto insurance can be purchased both online and also from your neighborhood Nashua agents, and you need to price shop both so you have a total pricing picture. Some insurance providers may not provide online price quotes and most of the time these smaller companies sell through independent agents.
Additional information is available on the New Hampshire Insurance Department website. Click here for link. Visitors are able to read enforcement actions against agents and companies, discover disciplinary actions, learn about specific coverages, and read state legal mandates and laws.
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