Comparing car insurance rates in Merrimack can be a lot of work since choosing the right Merrimack car insurance agent is not as easy as just picking up the phone. Chances are you’re wanting a friendly agent, but you also want the best rates possible.
With insurance companies like American Family, Allstate, State Farm and independent agents having offices in Merrimack, it’s hard to tell which insurance agency will give you the cheapest rates and the best coverage. To help decide, consumers can use online quotes in order to build a list of agencies from which to choose.
Comparing rates from local agents
Licensed agents are trained to spot inefficiencies and help submit paperwork. One of the great benefits of comparing insurance prices online is you may find lower rates but still work with a licensed agent. And supporting local insurance agencies is important particularly in Merrimack.
After completing this form (opens in new window), the coverage information is submitted to insurance agents in Merrimack who will battle for your business. You never need to visit any agencies because quoted prices will be sent to your email. It doesn’t get any easier!
Compare rates from both independent and captive auto insurance agents
When looking for a reputable insurance agent or broker, you must know there are a couple types of agencies to choose from. Merrimack agents can either be captive or independent. While both can insure your vehicles, but it’s good to learn how they differ because it can impact your selection of an agent.
Independent Agencies or Brokers
Independent agents are not required to write business for one company but instead can place your coverage with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies. When shopping rates, it’s recommended you include multiple independent agents for maximum quote selection.
Below are Merrimack independent agents that can give you price quote information.
Doug Daigle Insurance Svc – 10 Ministerial Dr – Merrimack, NH 03054 – (603) 424-7481
Transamerica Insurance – 71 Pondview Dr – Merrimack, NH 03054 – (603) 424-5197
Captive Insurance Agents
Captive agents work for only one company like American Family, Liberty Mutual and AAA. They usually cannot place coverage with different providers so they have no alternatives for high prices. Captive agents are well schooled in insurance sales and that can be a competitive advantage.
The following is a short list of captive insurance agents in Merrimack willing to provide price quote information.
State Farm Insurance – 577 Daniel Webster Hwy – Merrimack, NH 03054 – (603) 424-9428
Allstate Insurance – 604 Daniel Webster Hwy # 112 – Merrimack, NH 03054 – (603) 429-8800
To view a complete directory of car insurance agents in Merrimack, visit this link.
Selecting an insurance agency needs to be determined by more than just the bottom line cost. Ask your prospective agent these questions:
- Do the companies they represent have a solid financial rating?
- What insurance company do they write the most business with?
- What insurance companies do they recommend if they are an independent agent?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Are claim adjusters local or do you have to take your car somewhere else?
Upon getting positive feedback and an affordable coverage quote, chances are good that you have found an insurance agent that is a good match to insure your vehicles.
But what about Geico, Esurance and Progressive?
Insurance agencies are indespensible for some people, but New Hampshire consumers also have the option to buy direct online. A few companies like State Farm and Allstate who sell through agents in Merrimack also let you get a quote and buy online, so keep that in mind if finding the best price is important.
If you’re worried about selecting your own policy coverages, that should not be a issue. Online insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options to answer your questions.
Can you save money buying online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because there are many factors that determine your policy premium. You may think that a customer who purchases direcly from an online company saves money because there is no commission. But the fact is, getting their brand in front of customers is expensive and this drives up their premium costs.
If the lowest price is important, the best way to know whether online companies or local agents have lower rates is to take the time to compare rates from both. It’s fairly common that you receive different coverage costs from exactly the same company depending on where you get the price quote from.
Much more information about car insurance in New Hampshire can be found on the website for the New Hampshire Insurance Department found here. Visitors are able to view a list of available companies, read consumer alerts, read state legal mandates and laws, and find out industry alerts.
The following information may also be useful.
- 6 Tricks to Save on Auto Insurance in Merrimack, NH
- Learn How to Shop For Merrimack New Hampshire Car Insurance Like a Pro
More effort can pay off
As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. In many instances, an accident victim reduced collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy the best coverage you can find at the best price while not skimping on critical coverages.
Drivers who switch companies do it for a variety of reasons including not issuing a premium refund, lack of trust in their agent, extreme rates for teen drivers and questionable increases in premium. No matter why you want to switch, switching companies is not as hard as you think.
