When buying auto insurance in Weare, there are a lot of options and finding the best New Hampshire insurance agency takes more work than just picking up the phone. You require a professional agent, but also cheap rates.
There are many car insurance agents to buy insurance from, and even though it’s nice to be able to choose, it makes it harder to find a good deal.
Quote online but still have a local agent
Educated insurance agents can answer important questions and help submit paperwork. One of the great benefits of getting online price quotes is the fact that you can find better rates and still choose a local agent.
To help locate an agent, after submitting this simple form, the coverage information is submitted to agents in your area who will return price quotes to get your business. You don’t have to drive around because quoted prices will be sent to your email. How cool is that?! You can find better rates and work with a local agent.
Picking an insurance agent needs to be determined by more than just the premium amount. Any agent should have no problem answering these questions:
- Do they carry Errors and Omissions coverage?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Which members of your family are coverage by the policy?
- How long has their agency been open in Weare?
- Do they specialize in personal lines coverage?
- If they are an independent agency, which companies do they recommend?
Two types of Weare auto insurance agents
If you’re trying to find a good insurance agency, you must know there are a couple types of agencies to choose from. Agents are classified as either captive or independent (non-captive).
Captive agents can only place business with one company like Liberty Mutual, State Farm, Allstate and AAA. Captives cannot place coverage with different providers so they have no alternatives for high prices. These agents are well schooled in insurance sales which can be an advantage.
Independent Insurance Agents
These agents are not employed by any specific company so they have the ability to put coverage with lots of companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent. When searching for an agent, it’s a good idea to contact at least one independent agent to have the most options to choose from.
Below are independent insurance agencies in Weare who can help you get price quote information.
Four Score Insurance Svc – 15 Shady Hill Rd – Weare, NH 03281 – (603) 529-3300
Weare Insurance – 111 S Stark Hwy – Weare, NH 03281 – (603) 529-4567
For a complete listing of Weare insurance agents, please click here.
Once you have received positive responses to any questions you have and a good coverage price, it’s possible that you found an insurance agency that will service your policy.
Buying direct is an option
Auto insurance agents are indespensible for some people, but you also have the option of buying New Hampshire car insurance direct online. Some specific companies, such as Farmers Insurance and State Farm, who have local agents in Weare also let you buy online, so that should be considered if you don’t want to take the time to contact agents.
If you’re anxious about not getting proper coverage when buying online, don’t be too concerned. Online insurance companies that require consumers to choose their own coverages all have toll-free customer service for answering any questions you have. Many online companies also provide live chat and online tools to help with the buying process.
Is auto insurance cheaper online? It’s hard to say exactly since there are so many components that influence the price you pay. Some people will tell you that buying direct saves money because there is no agent involvement. But in most cases, marketing their products costs a lot of money and that can cost more than having to pay agents.
What is YOUR best insurance company?
When you buy insurance online, never skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.
Cheaper auto insurance is definitely available from both online companies and also from your neighborhood Weare agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.
Additional New Hampshire car insurance resources
Even more information can be found at the New Hampshire Insurance Department website. Consumers can view a list of available companies, download brochures, find disaster information, and read industry bulletins.