Cheshire Insurance Agents – Which is Right for You?

Comparing auto insurance companies in Cheshire, CT can be challenging because you have many choices and picking a good Connecticut auto insurance agent is harder than just driving to the closest agent’s office. You require a good professional insurance agent, but also the cheapest rates you can possibly find.

Drivers have multiple auto insurance agents to buy insurance from, and although it’s nice to have a selection, it makes it harder to find the best rates for your vehicles.

Compare online but buy from a local Cheshire agent

Professional agents can answer important questions and help submit paperwork. The best thing about comparing rates online is you may find lower rates and still have an agent to talk to.

After filling out this short form, your insurance coverage information is submitted to participating agents in Cheshire who will give you bids for your business. There is no reason to leave your computer as quotes are delivered to your email. Now that’s easy!

Picking a car insurance agent requires more thought than just a low price. Any agent should be forthright in answering these questions:

  • How much can you save by raising your physical damage deductibles?
  • Is their price quote a firm figure or are their hidden costs?
  • Do they make recommendations based only on price?
  • Did they already check your driving record and credit reports?
  • Is working in the agency their full-time job?

Different types of Cheshire insurance agencies

When researching a reputable insurance agent or broker, you need to know there are two different agency structures from which to choose. Agents are classified as either captive or independent. While both can write coverage properly, but it’s good to learn how they are different because it can influence your selection of an agent.

Captive Insurance Agents

Captive agents work for only one company and examples are State Farm, AAA and Liberty Mutual. They are unable to place coverage with different providers so they have to upsell other benefits. Captive agents are very knowledgeable in insurance sales which can be an advantage. Some consumers prefer to buy insurance from these agents mainly due to loyalty to the company and strong financial ratings.

Shown below is a short list of captive insurance agents in Cheshire who may provide you with price quotes.

  • Allstate Insurance – 3 Cedar Ln – Cheshire, CT 06410 – (203) 271-1778
Independent Agents

Independent agencies are not locked into one company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies.

When shopping rates, it’s recommended you get quotes from at a minimum one independent agency to ensure the widest selection of prices. Many write coverage with lesser-known insurance companies which may provide better rates.

Shown below is a list of independent insurance agencies in Cheshire that can give you rate quotes.

  • Cheshire Agency – 615 W Johnson Ave # 202 – Cheshire, CT 06410 – (203) 250-9099
  • Edward P Gaudio Agency – 1030 S Main St – Cheshire, CT 06410 – (203) 272-2925
  • Plourde Agency – 1484 Highland Ave – Cheshire, CT 06410 – (203) 272-0274
  • Dane Goodson Insurance – 114 S Main St – Cheshire, CT 06410 – (203) 651-0033
  • Bristol Insurance Inc – 195 S Main St – Cheshire, CT 06410 – (203) 272-3567

To view a full list of licensed insurance agents in Cheshire, please view this page.

Upon getting answers to your satisfaction as well as a affordable price, you may have just found an insurance agent that will service your policy.

Do online insurance companies have lower rates?

Local insurance agents are important, but you can also buy Connecticut car insurance from companies direct over the internet. Certain auto insurance companies that are more known for using agents, also permit you to buy direct online, so that should be considered and can also potentially find you lower rates.

If you’re concerned about not getting advice from an agent when buying online, this is normal but is quickly overcome. All companies provide customer service that you can contact for information.

Is online auto insurance cheaper? That is a tough question to answer due to the fact that there are many factors that influence the price you pay. You may think that a consumer who buys direct lowers rates due to not having any agent compensation. But in reality, advertising and marketing take a lot of money and that can cost more than having to pay agents.

Smart consumers save more

Cheaper auto insurance is definitely available online and also from your neighborhood Cheshire agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

Insureds change insurance companies for any number of reasons including unfair underwriting practices, an unsatisfactory settlement offer, delays in paying claims or questionable increases in premium. Regardless of your reason, choosing a new company can be easier than you think.

Cheshire Connecticut independent agents

For more reading

Even more information is located at the Connecticut Insurance Department website. Consumers can find disaster information, download brochures, report car insurance fraud, and find out which companies have the most complaints.

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