If you’re looking for a licensed insurance agent in Clifton Park, it’s recommended you do the preliminary legwork using online quotes to save yourself time. You require a professional agent, but also affordable rates.
Multiple car insurance agents compete for your business, so it’s not easy to compare every insurance agency to find the best rate
Compare Clifton Park agent rates online
Licensed agents are trained to spot inefficiencies and give you peace of mind. The biggest benefit of comparing rates online is the fact that you can find lower rates but still work with a licensed agent.
Upon completion of this form (opens in new window), your insurance coverage information is submitted to local insurance agents in Clifton Park who will give you bids for your business. You don’t have to leave your house due to the fact that quote results will go directly to your email. It doesn’t get any easier! Get lower rates and work with a local agent.
Selecting an auto insurance agent needs to be determined by more than just a low price. Any agent should have no problem answering these questions:
- What insurance companies do they work with?
- If you are a high risk driver, do they have special markets for your coverage?
- How are they compensated?
- How long has their agency been in business in Clifton Park?
- Does the agency have a good rating with the Better Business Bureau?
- Are they able to influence company decisions when a claim is filed?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Are they properly licensed to sell insurance in New York?
The type of car insurance agent you choose is important
When looking for an insurance agent, there are two types of agencies that differ in how they can insure your vehicles. Clifton Park agents are classified as either independent or captive.
Captive Agents
These agents have only one company to place business with and examples are Allstate, State Farm and Farmers Insurance. Captives cannot shop your coverage around so they have no alternatives for high prices. Captive agencies are very knowledgeable in insurance sales and that can be a competitive advantage.
The following are Clifton Park captive insurance agencies who can help you get price quotes.
Allstate Insurance Co – 1226 Route 146 – Clifton Park, NY 12065 – (518) 371-3206
State Farm Insurance – 6 Stony Heights Rd – Clifton Park, NY 12065 – (518) 456-2910
Independent Agents (or Brokers)
Independent agencies are not locked into one company so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, the business is moved internally and that require little work on your part.
When shopping rates, it’s recommended you contact at a minimum one independent agency to get the best comparison.
Listed below is a list of independent agents in Clifton Park that are able to give rate quotes.
Scarantino Agency Inc – – Clifton Park, NY 12065 – (518) 372-1610
Stanley J Pawenski Agency – 1690 Route 9 – Clifton Park, NY 12065 – (518) 371-9070
Farm Family Insurance Co – 258 Ushers Rd – Clifton Park, NY 12065 – (518) 877-0525
Casswood Insurance LTD – 5 Halfmoon Executive Park – Clifton Park, NY 12065 – (518) 373-8700
R P Ryan Agency Inc – 963 Route 146 – Clifton Park, NY 12065 – (518) 371-2091
For a complete listing of car insurance agents in Clifton Park, simply jump to this page.
Upon getting positive feedback to any questions you have and a low price estimate, you have narrowed it down to an insurance agency that meets your needs to properly insure your vehicles.
Do online insurance companies have lower rates?
Licensed agents are important, but you can also buy New York car insurance from companies direct over the internet. Some car insurance companies, such as Farmers Insurance and State Farm, who sell through agents in Clifton Park also permit you to get a quote and buy online, and consumers should do that if you don’t want to take the time to contact agents.
If you’re worried about not receiving proper advice when buying direct, that should not be a issue. Companies provide toll-free numbers for getting questions answered.
Are online rates lower? The answer is complex since there may be dozens of rate factors which can adversely affect your policy premium. It’s often assumed that a shopper who purchases direct prevents the agent from taking a cut. But the fact is, the cost of constant advertising is expensive so the rates may be similar to buying from an agent.
In the end, you save
Discount car insurance can be bought from both online companies and also from your neighborhood Clifton Park agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.
Consumers who switch companies do it for any number of reasons including questionable increases in premium, high prices, not issuing a premium refund or even extreme rates for teen drivers. Regardless of your reason, finding the right car insurance provider can be pretty painless.
More tips and info about car insurance can be found at the New York Department of Financial Services website. New York drivers can read state legal mandates and laws, view a list of available companies, find a variety of consumer forms, and file complaints about a company.
