When searching for an insurance agent in Naugatuck, Connecticut, it’s recommended you start your research by getting online comparison quotes to save yourself time. For the sake of this article, we’ll assume you want a highly trained agent, but you also want the lowest possible price.
With insurance companies like Allstate, Farmers and State Farm as well as independent agents all competing for your business, consumers have a hard time knowing which one will give you the lowest rates and best service. To begin, it’s easy to use online quotes to assemble a group of agents and price estimates.
Car Insurance through a local Naugatuck agent
Insurance agents can point out coverage gaps and give you peace of mind. One of the great benefits of getting online price quotes is you can get better rates but still work with a licensed agent. Supporting small agencies is especially important in Naugatuck.
Once you complete this short form, your information is emailed to companies in Naugatuck who will compete for your business. There is no reason to leave your house since price quotes are sent straight to your inbox. How cool is that?! Get lower rates without the usual hassles of price shopping.
Shown below is a list of insurance agencies in Naugatuck who can help you get rate quotes.
- Atkins Agency – 1183 New Haven Rd # 204, Naugatuck, CT 06770 – (203) 729-7911
- Naugatuck Insurance Inc – 270 Church St, Naugatuck, CT 06770 – (203) 729-2080
- A Parrella & Assoc Insurance – 171 Meadow St, Naugatuck, CT 06770 – (203) 729-2886
To view a complete directory of licensed insurance agents in Naugatuck, visit this site.
Selecting a car insurance agent needs to be determined by more than just the premium amount. Any agent should have no problem answering these questions:
- What is the agency’s Better Business Bureau rating?
- Who is covered by the car insurance policy?
- Is working in the agency their full-time job?
- How often do they review policy coverages?
- How long have they worked with personal auto insurance coverage?
- Do they carry Errors and Omissions coverage?
- Do they specialize in personal lines coverage?
- Will their companies depreciate repairs to your car based on the mileage?
After receiving reasonable responses to your questions in addition to an acceptable price estimate, you may have just found a car insurance agent that meets your needs to service your policy.
Do online companies like Esurance, Geico and Progressive give better rates?
Insurance agencies can be invaluable at times, but you can also find affordable Connecticut auto insurance direct online. Certain companies who sell through the agent channel also allow consumers to buy online, so this should also be taken into consideration and can also potentially find you lower rates.
If you’re uncomfortable with not having someone to ask questions when shopping online, don’t let it bother you. Companies have toll-free phone numbers and other options for getting advice on proper coverages. They also have live help and 24/7 access to help you make a buying decision.
If you just want to find lower premiums, the most effective way to determine who has the best rates, online companies or local insurance agents, is to make apples-to-apples comparisons of both. It’s not unheard of to actually get different prices using an online quote and an agent quote from the same insurance company.
Is online auto insurance cheaper? It’s difficult to provide an answer due to the large number of individual components that impact your premium. It’s a logical assumption that a customer who purchases direcly from an online company saves by not paying a commission. But in most cases, online and traditional media advertising are expensive so the lack of a commission may be a wash.
In conclusion
Consumers leave their current company for a number of reasons such as high rates after DUI convictions, poor customer service, policy cancellation and high prices. Whatever your reason, choosing a new company can be easy and end up saving you some money.
When you buy insurance online, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed liability limits or collision coverage only to discover later that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at a price you can afford while still protecting your assets.
For more Connecticut car insurance information
More information is available on the Connecticut Insurance Department website located here. Consumers can find out which companies have the most complaints, file complaints about a company, and view agent and company licensing information.
