Compare Car Insurance Rates From Chicopee Insurance Providers

If you’re trying to find an insurance agent in Chicopee, Massachusetts, it’s recommended you begin your search on the web instead of making phone calls. It’s highly likely you’re wanting a highly trained agent, but you also want the best rates possible.

With insurance companies like Farmers, Allstate, and independent agents all competing for business in Chicopee, it can be hard to know which provider will provide the lowest rates and best service. To begin, consumers can use online price quotes to assemble a group of insurance agents and thier coverage prices.

Car Insurance from Chicopee insurance agents

Licensed agents can answer important questions and give you peace of mind. One of the best bonuses of comparing rates online is you can get lower rates and still have an agent to talk to. And supporting small agencies is definitely important in Chicopee.

To help locate an agent, after submitting this simple form, the quote information is submitted to local insurance agents who will give you bids for your business. There is no reason to even leave your home as quotes are delivered to your email. It doesn’t get any easier! Get lower rates and an insurance agent to talk to.

Two types of insurance agencies

If you’re trying to find a reliable agent, there are a couple of types of agencies that you can select. Agencies in Chicopee are categorized either independent or captive.

Independent Insurance Agents

These agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency.

When searching for an agent, it’s recommended you include price quotes from at least one independent agent to ensure the widest selection of prices.Most can insure with lesser-known insurance companies which can save you money.

Listed below is a short list of independent agencies in Chicopee willing to provide comparison quotes.

  • Broderick Insurance – 129 Church St – Chicopee, MA 01020 – (413) 594-5323
  • Edwards Insurance Inc – 10 Center St # 308 – Chicopee, MA 01013 – (413) 598-8381
Captive Insurance Agents

Captive insurance agents can only write with one company like Liberty Mutual, Allstate, Farmers Insurance or State Farm. Captives cannot give you multiple price quotes so always compare other rates. Captive agencies are usually quite knowledgeable on the products they sell which can be an advantage. Some people will only buy insurance from these agents partially due to high brand loyalty and the convenience of having a single billing for all their coverages.

Deciding on an auto insurance agent needs to be determined by more than just the price. Here are some questions to ask:

  • How many years of experience in personal lines insurance coverages do they have?
  • If you are a high risk driver, do they have special markets for your coverage?
  • How much can you save by raising your physical damage deductibles?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Is assistance available after office hours?

Upon getting satisfactory answers to your questions and a low price estimate, it’s possible that you found an insurance agency that can provide car insurance coverage.

Isn’t it cheaper to buy direct online?

Insurance agencies are important, but you also have the option of buying direct over the internet. Even companies like Allstate and State Farm who have local Chicopee agents additionally provide the ability to get quotes and purchase online, and that is helpful.

If you’re uneasy about not having an agent to talk to, don’t sweat it. Car insurance companies that require consumers to choose their own coverages give you access to trained agents to answer any questions you may have.

Do online companies provide lower prices? Many people swear by it, but it’s difficult to answer since there are many things which can adversely affect your policy premium. Common sense would say that a shopper who purchases direct saves the cost of an agent commission. But the fact is, getting their brand in front of customers is expensive and that impacts the rates consumers pay.

Additional car insurance information can be read on the Massachusetts Division of Insurance website located here. Visitors are able to find a variety of consumer forms, file complaints about an insurance agent or broker, and find disaster information.

Additional helpful sites include this online resource for free quotes in Massachusetts and this list of agents in Chicopee, MA.

Chicopee MA insurance agents

Shop smart and save

When you buy insurance online, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your focus should be to find the BEST coverage at an affordable rate.

Cheap car insurance is attainable from both online companies in addition to many Chicopee insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not provide the ability to get a quote online and these small insurance companies work with independent agents.