When finding a licensed insurance agent in Montpelier, you can do the preliminary legwork using online quotes rather than picking up the phone. Consumers require a decent agent, and also decent rates too.
Having so many car insurance companies to choose from, it’s nearly impossible to locate the most affordable insurance company.
Montpelier agents and online quotes
Insurance agents can help determine the best coverages and help in the event of a claim. One of the best bonuses of comparing insurance prices online is you may find better rates but still work with a licensed agent.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is transmitted to companies in Montpelier who will return price quotes for your insurance coverage. You never need to drive around since price quotes are sent immediately to your email address. How cool is that?!
Selecting an insurance agent should depend on more than just the price. Any agent should be forthright in answering these questions:
- What insurance companies do they recommend if they are an independent agent?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Are claims handled at the agent’s location?
- Which members of your family are coverage by the policy?
- How much can you save by raising your physical damage deductibles?
- Are there any hidden costs in their price quote and does it include driving and credit history?
Two different types of insurance agencies
When researching local Montpelier agents, there are a couple of different agency structures from which to choose. Agents are categorized either independent or captive. Either one can do a good job, but it’s important to know the differences because it can impact buying decisions.
Captive Agents
Captive insurance agents write business for a single company and examples are American Family, Liberty Mutual and AAA. These agents are not able to shop your coverage around so always compare other rates. These agents are usually quite knowledgeable on their company’s products and that can be a competitive advantage.
Independent Insurance Agents
Independent agents do not work for one specific company so they have the ability to put coverage with lots of companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to find a new agent. When shopping rates, it’s recommended you contact multiple independent agents to get the best comparison.
Below is a list of independent insurance agents in Montpelier that are able to give price quote information.
Vermont Insurance Agents Assn – 47 1/2 Court St – Montpelier, VT 05602 – (802) 229-5884
Karen S Blosser Insurance – 33 Northfield St – Montpelier, VT 05602 – (802) 229-5757
David Zophin Agency – 2 Moonlight Ter – Montpelier, VT 05602 – (802) 223-1990
To view a full list of insurance agents in Montpelier, go to this page.
After getting answers to your satisfaction to any questions you have as well as a affordable price, it’s possible that you found an insurance agency that will properly service your car insurance policy.
Are online companies an option?
Local insurance agents are important to many people, but you can also find affordable Vermont auto insurance direct over the internet. A few companies, such as State Farm, Allstate and Farmers, who have local Montpelier agents also let you buy online. This is something to consider as an alternative to contacting agents.
If you’re uncomfortable with having to choose coverages yourself when buying car insurance direct, that is normal but is not a big issue. Car insurance companies all have client service departments for answering any questions you have.
Does car insurance cost less online? Many people swear by it, but it’s difficult to answer because there are so many things that influence how your policy is priced. It’s logical to say that a consumer who buys direct saves by not paying a commission. But in reality, online and traditional media advertising are expensive and that can quickly cost more than paying an agent.
And the best car insurance company is…
As you prepare to switch companies, do not reduce coverage to reduce premium. There are a lot of situations where someone dropped liability coverage limits only to regret they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at an affordable rate.
The cheapest car insurance is definitely available online and also from your neighborhood Montpelier agents, and you need to comparison 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, regional companies sell through independent agents.
Even more information is available at the Vermont Department of Financial Regulation website. Vermont consumers can read enforcement actions against agents and companies, find out industry alerts, and file complaints about an insurance agent or broker.
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