If you’re looking for an insurance agent in Shelton, Connecticut, we recommend you begin your search using online quotes rather than looking in the yellowpages. For this article’s sake, it’s assumed you’re wanting a good agent, but also great rates as well.
With companies like American Family, Allstate, State Farm and Farmers all competing for your business, it can be hard to know which provider will have the lowest rates and best service. Thankfully, it’s easy to use online quoting to build a list of agents and thier coverage prices.
Buying auto insurance from a local Shelton agent
Licensed agents are trained to spot inefficiencies and give you peace of mind. One of the great benefits of comparing rates online is the fact that you can find the lowest rates and still choose a local agent. And supporting local businesses is important especially in Shelton.
For easy comparison, once you complete this quick form, the quote information is emailed to local insurance agents who will give you bids to get your business. You don’t have to drive around as quotes are delivered directly to your email. How’s that for easy!
Is a captive or independent car insurance agent right for you?
If you’re trying to find a good Shelton insurance agent, there are two types of insurance agents that you can select. Agencies in Shelton can either be captive or independent. Both types can do a good job, but it’s important to know how they differ because it can impact the selection process.
Independent Agents
These agents are not locked into one company so they can insure your vehicles with any number of different companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency.
When shopping rates, we recommend you contact at least one independent agent for maximum quote selection.
The following is a short list of independent insurance agencies in Shelton that can give you comparison quotes.
David M Banas Agency – 4 Corporate Dr # 193 – Shelton, CT 06484 – (203) 929-5122
Managing Agency Group Inc – 1 Enterprise Dr # 210 – Shelton, CT 06484 – (203) 924-2994
Miller Agency Inc – 1 Enterprise Dr # 212 – Shelton, CT 06484 – (203) 944-0060
Safeco Insurance – 3 Enterprise Dr # 408 – Shelton, CT 06484 – (203) 926-9600
Mutual Of Omaha Insurance Co – 4 Corporate Dr # 285 – Shelton, CT 06484 – (203) 925-0604
Captive Agents
Captive agents can only write with one company such as Farmers Insurance or State Farm. They generally cannot shop your coverage around so they are skilled at selling on more than just price. Captives are usually quite knowledgeable on the products they sell which can be an advantage.
Shown below are captive agencies in Shelton who can help you get comparison quotes.
State Farm Insurance – 1 Cots St – Shelton, CT 06484 – (203) 924-8883
Allstate Insurance – 1 Forest Pkwy – Shelton, CT 06484 – (203) 929-7292
To view a full list of Shelton captive insurance agencies, please click here.
Selecting an auto insurance agent needs to be determined by more than just a low price. Ask your prospective agent these questions:
- Do they feel the quoted coverages are adequate?
- What insurance companies do they work with?
- How are they compensated?
- If you have an accident, will your rates go up?
- How many years of experience in personal lines insurance coverages do they have?
Upon getting satisfactory answers for all questions you ask and an affordable coverage quote, it’s possible that you found an auto insurance agent that meets your needs to insure your vehicles.
Also think about buying car insurance direct
Licensed agents can be invaluable at times, but Connecticut car insurance can also be bought direct online. Certain auto insurance companies who have local agents in Shelton also allow consumers to quote and buy online. This is something to consider.
If you’re uncomfortable with not getting advice from an agent when buying car insurance direct, that is normal but is not a big issue. Car insurance companies all have client service departments to help you decide which coverages are appropriate.
Does buying online save money? It’s hard to say exactly since companies use quite a few components that impact your final bill. It’s a logical assumption that shopping direct reduces premiums because there is no agent. But in most cases, advertising budgets are huge so there may not be significant savings.
Summing up your auto insurance search
As you prepare to switch companies, never skimp on critical coverages to save a buck or two. In many cases, someone sacrificed liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at a price you can afford.
The cheapest auto insurance is possible online as well as from independent agents in Shelton, and you should be comparing both to get a complete price analysis. Some companies don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.
Some additional reading
Additional information is available on the website for the Connecticut Insurance Department found here. Visitors are able to learn about insurance regulations, find disaster information, and view agent and company licensing information.
