If you’re trying to find an insurance agent in Greenwich, Connecticut, we recommend you do an initial search by comparing prices online instead of calling around. It’s likely you want a great agent that can assess your needs, but also affordable coverage.
With companies like independent agents, Allstate and State Farm having offices in Greenwich, it’s hard to tell which one will provide the lowest rates and best service. Fortunately, consumers can get online price quotes to build a list of agencies and price estimates.
Working with a local agent
Insurance agents can point out coverage gaps and give you someone to call. One of the best bonuses of price shopping on the web is you may find the lowest rates and still choose a local agent. Supporting local agencies is important particularly in Greenwich.
To make it easy to find an agent, after completing this short form, the coverage information is immediately sent to participating agents in Greenwich who will compete for your business. There is no reason to leave your computer because quoted prices will be sent to your email. It doesn’t get any easier!
Choose an insurance agent wisely
If you’re trying to find a reliable agent, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Agencies in Greenwich are either captive or independent (non-captive). While both can do a good job, but it’s worth learning how they differ because it can impact buying decisions.
Independent Agents
Independent insurance agents are not employed by any specific company but rather can write business with any number of different companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies.
When searching for an agent, we recommend you include price quotes from multiple independent agents for maximum quote selection. They also have the ability to place coverage with smaller companies which can save you money.
Shown below are Greenwich independent agencies who may be able to give you competitive price quotes.
- INSURANCE Center Of Greenwich – 530 Old Post Rd No 3 – Greenwich, CT 06830 – (203) 869-2202
- Elkanah Mead Agency Inc – 87 Greenwich Ave # 2 – Greenwich, CT 06830 – (203) 869-0302
- Cross River Insurance Co – 20 Horseneck Ln – Greenwich, CT 06830 – (203) 861-2500
- John M Glover Agency Inc – – Greenwich, CT 06830 – (203) 869-1476
Agency Captives
Captive insurance agents work for only one company such as AAA, Allstate and State Farm. They generally cannot place coverage with different providers so they have to upsell other benefits. Captive agencies are usually quite knowledgeable in insurance sales and that can be a competitive advantage. Some consumers prefer to choose to use a captive agent mostly because of loyalty to the company and solid financial strength.
Shown below are captive agencies in Greenwich who can help you get comparison quotes.
- Allstate Insurance – 282 Railroad Ave # 2 – Greenwich, CT 06830 – (203) 869-8220
To view a complete directory of car insurance agents in Greenwich, visit this site.
Selecting a car insurance agent shouldn’t rely on just a cheap price. Here are some questions to ask:
- Are they properly licensed to sell insurance in Connecticut?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they receive special compensation for putting your coverage with one company over another?
- What insurance companies do they recommend if they are an independent agent?
- Are you getting all the discounts the company offers?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Can glass repairs be made at your home?
Upon getting answers to your satisfaction to any questions you have and a good coverage price, it’s possible that you found an auto insurance agent that can adequately provide car insurance.
Online alternative for car insurance
Insurance agencies can be invaluable at times, but Connecticut drivers can also buy direct from companies that only sell online. Certain companies like Allstate and State Farm who sell through the agent channel also give you the option to buy a policy online, and online price comparisons are easy if the lowest rate is your goal.
If you’re uneasy about choosing your own coverages, this is normal but is quickly overcome. All companies provide options for getting advice on proper coverages. In addition, they usually offer help pages and frequently asked questions that can help answer basic questions.
The only way to determine whether online companies or local agents have lower rates is comparing rate quotes from both. You may actually get a different price from the exact same provider when they get quotes from both.
Does it save money buying online? Many people swear by it, but it’s difficult to answer because there are so many things that are calculated into your premium. Many people think that shopping direct saves money because there is no agent involvement. For most online online companies, however, advertising and marketing take a lot of money so the lack of a commission may be a wash.
One last thing about your coverage
While you’re price shopping online, you should never reduce coverage to reduce premium. There are many occasions where an accident victim reduced physical damage coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.
Consumers switch companies for many reasons like delays in responding to claim requests, extreme rates for teen drivers, an unsatisfactory settlement offer or unfair underwriting practices. Regardless of your reason for switching companies, finding a new car insurance company can be less work than you think.
Additional information is located on the Connecticut Insurance Department website located here. Connecticut drivers can report car insurance fraud, file complaints about a company, and find disaster information.
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