To locate an insurance agent in Orono, ME, it’s recommended you start your search on the internet instead of making phone calls. You need a professional agent, and also the lowest rates for auto insurance in Orono.
Because there are so many options when it comes to auto insurance, it can be impossible to choose the right provider.
Compare online but buy from a local Orono agent
Good agents can help determine the best coverages and help in the event of a claim. One of the great benefits of comparing rates online is you may find the best rates and still have an agent to talk to.
After filling out this simple form, your insurance coverage information gets sent to local insurance agents in Orono who will compete to get your business. You never need to even leave your home since price quotes are sent straight to your inbox. How’s that for easy! You’ll get the best rates AND a local agent.
Deciding on a car insurance agent should depend on more than just a cheap price. Ask your prospective agent these questions:
- If your car is totalled, how to they determine the replacement cost?
- Will your rates increase after a single accident?
- Do the companies they represent have a solid financial rating?
- Are claims handled at the agent’s location?
- Do they carry Errors and Omissions coverage?
- Do they make recommendations based only on price?
Is a captive or independent insurance agency right for you?
If you’re trying to find a reliable agent, there are a couple of types of agencies that you can select. Insurance agencies in Orono are either captive or independent.
Agency Captives
These agents work for only one company and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. Captives cannot compare other company’s rates so they are skilled at selling on more than just price. Captive agents are trained well on their company’s products which helps them compete with independent agents.
The following is a list of captive insurance agents in Orono that can give you price quote information.
State Farm Insurance – 2 Sylvan Rd – Orono, ME 04473 – (207) 827-2702
Independent Insurance Agents
Independent agents are not employed by any specific company but rather can write business with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency.
When searching for an agent, it’s recommended you include price quotes from at least one independent agent to have the most options to choose from.
The following is a list of independent insurance agents in Orono that are able to give price quotes.
Thomas Insurance and Real Estate – 227 Main St – Orono, ME 04473 – (207) 866-3677
For a full directory of licensed insurance agents in Orono, visit this site.
Once you have acceptable answers to all your questions and a good coverage price, chances are good that you have found an insurance agent that meets your needs to properly service your auto insurance policy.
Buying direct is an option
Insurance agencies are perfect for certain consumers, but you also have the option of buying direct from companies that only sell online. A few companies who sell through agents in Orono also allow consumers to buy online, so that should be considered to possibly find a better rate.
If you’re uneasy about not receiving proper advice when buying direct, this is a normal reaction for first-time shoppers. Online insurance companies provide access to licensed agents for answering any questions you have.
Are online companies cheaper? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because of the number of factors which can raise or lower premium rates. Some people think that shopping online for auto insurance cuts out the agent as a middleman. In many cases, there are high advertising and marketing costs so rates may not be all that different from traditional agents.
Smart consumers save more
While you’re price shopping online, do not reduce needed coverages to save money. In many cases, an insured cut collision coverage only to discover later they didn’t purchase enough coverage. Your goal should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.
Cheap auto insurance is definitely available both online and also from your neighborhood Orono agents, and you should be comparing 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 smaller companies sell through independent agents.
More tips and info about auto insurance can be found at the Maine Bureau of Insurance website. Visitors are able to file complaints about a company, download brochures, learn about specific coverages, and view a list of available companies.
The following information may also be useful.
