Finding good car insurance in Hanover can be challenging since finding the best New Hampshire auto insurance agent is harder than just picking up the phone. Consumers need a good agent, but also need the best price on car insurance.
Insurance companies such as Geico, Farmers Insurance and State Farm all promote huge savings with catchy ads and it is difficult to see through the cute green geckos and mayhem and find the best price available.
Quote online but work with a neighborhood agent
Professional agents can answer important questions and help file insurance claims. One of the great benefits of price shopping on the web is that you can obtain the best rates and still choose a local agent.
For easy comparison, once you complete this quick form, the quote information is submitted to companies in Hanover who will battle for your coverage. You won’t need to leave your computer due to the fact that quote results will go to your email. How’s that for easy!
Picking an insurance agent needs to be determined by more than just a low price. Agents should be asked these questions:
- Does the agency support the community they serve?
- Do they have any clout with companies to ensure a fair claim settlement?
- Do they receive special compensation for putting your coverage with one company over another?
- Which members of your family are coverage by the policy?
- Did they already check your driving record and credit reports?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Are claims handled at the agent’s location?
- Does the agency provide any after hours assistance?
Two types of insurance agents
If you’re trying to find a good insurance agency, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agencies in Hanover are classified as either independent or captive. Either one can write coverage properly, but it’s important to know the difference between them since it may influence your selection of an agent.
Agency Captives
Captive agents can only place business with one company like State Farm, AAA, Farmers Insurance or Allstate. They generally cannot give you multiple price quotes so they have to upsell other benefits. These agents are very knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Some consumers prefer to purchase coverage from captives mainly due to high brand loyalty and strong financial ratings.
Independent Agents (or Brokers)
Independent agents are not locked into one company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, it’s recommended you get quotes from multiple independent agents for the best price selection. Most have the option of insuring with smaller companies which can save you money.
Shown below is a list of independent agencies in Hanover willing to provide price quote information.
- Hanover Agency Inc – 45 Lyme Rd # 106 – Hanover, NH 03755 – (603) 643-4404
To view a complete directory of car insurance agents in Hanover, visit this link.
Once you have received positive feedback for all questions you ask in addition to an acceptable price estimate, you’ve probably found an insurance agency that meets your needs to provide car insurance coverage.
Can you buy online and save?
Insurance agents can be invaluable at times, but New Hampshire consumers also have the option to buy from companies direct over the internet. Certain auto insurance companies like State Farm and Allstate that are more known for using agents, also give you the ability to get a quote and buy online, so that should be considered to possibly find a better rate.
If you’re uneasy about selecting your own policy coverages when shopping online, that is normal but is not a big issue. Car insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options that you can contact for information. You can also use extensive coverage information and 24/7 assistance that can help answer basic questions.
Does it save money buying online? That is a tough question to answer due to the fact that there are many factors that influence how your policy is priced. You may think that buying directly from the company saves the cost of an agent commission. For most companies selling online, however, promoting brand recognition is pricey so rates may not be all that different from traditional agents.
Additional resources for New Hampshire consumers
More detailed New Hampshire car insurance information is available at the New Hampshire Insurance Department website. New Hampshire consumers can file complaints about an insurance agent or broker, find out which companies have the most complaints, read consumer alerts, and find disaster information.
More comparisons equals lower rates
Discount car insurance is attainable from both online companies and also from your neighborhood Hanover agents, and you need to price shop both to get a complete price analysis. A few companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.
Insureds switch companies for many reasons like policy non-renewal, poor customer service, unfair underwriting practices or an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a great new company is actually quite simple.
