Consumer Information for Searching Online for a New Berlin Insurance Agent

To locate a licensed insurance agent in New Berlin, we recommend you do the preliminary legwork by comparing prices online instead of making phone calls. You need a decent agent, but also need the best price on auto insurance.

Insurance companies such as Geico, Progressive and Allstate increase brand awareness with ad campaigns and it is difficult to avoid their marketing magic and find the best price available.

How to compare New Berlin auto insurance rates

Professional agents can point out coverage gaps and help submit paperwork. One of the great benefits of getting online price quotes is you may find the best rates and still have an agent to talk to.

Upon completion of this short form, the coverage information is transmitted to local insurance agents in New Berlin who will battle for your business. You don’t have to even leave your home because quoted prices will be sent to your email. It doesn’t get any easier!

Picking an insurance agency needs to be determined by more than just the bottom line cost. Ask your prospective agent these questions:

  • What are the financial ratings for the companies they represent?
  • If your car is totalled, how to they determine the replacement cost?
  • Do they regularly work with personal auto policies?
  • Can they provide you with a list of referrals?
  • What is the agency’s Better Business Bureau rating?

Insurance agencies in New Berlin come in two varieties

When researching a good insurance agency, you need to know there are two different agency structures that you can select. Insurance agencies in New Berlin are classified as either independent (non-captive) or captive. Either one can insure your vehicles, but it’s important to know how they are different since it may influence your selection of an agent.

Captive Insurance Agents

This type of agents can only place business with one company and examples are AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. Captives cannot compare other company’s rates so they are skilled at selling on more than just price. Captives receive extensive training on their products and sales techniques which helps them sell insurance even at higher premiums.

Listed below is a short list of captive insurance agents in New Berlin that are able to give comparison quotes.

American Family Insurance – 15350 W National Ave # 217 – New Berlin, WI 53151 – (262) 786-3470
Allstate Insurance – 15448 W Beloit Rd – New Berlin, WI 53151 – (262) 641-1002
State Farm Insurance – 15855 W National Ave # 102 – New Berlin, WI 53151 – (262) 782-3900

Independent Agencies or Brokers

Independent insurance agents are not locked into one company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies. When comparing rates, you should always include price quotes from several independent insurance agents for the best price selection.

Below is a list of independent agencies in New Berlin that can give you rate quotes.

Cohodes Insurance Svc – 14895 W Oklahoma Ave – New Berlin, WI 53151 – (414) 321-1715
Craig R Murphy Agency – 15350 W National Ave – New Berlin, WI 53151 – (262) 780-1179
Matheson Agency Inc – 17025 W Rogers Dr – New Berlin, WI 53151 – (262) 786-8480
John Romppainen Insurance – 3919 S Clover Dr – New Berlin, WI 53146 – (262) 786-0447

For a complete listing of licensed insurance agents in New Berlin, visit this link.

After receiving satisfactory answers to these questions and an acceptable price quote, it’s possible that you found an insurance agent that will insure your vehicles.

Can you buy online and save?

Car insurance agents serve a purpose, but you also have the option of buying Wisconsin car insurance direct over the internet. Certain auto insurance companies, such as Farmers Insurance and State Farm, who sell through the agent channel also permit you to buy direct online, and that is helpful.

If you’re concerned about not getting proper coverage, don’t be too concerned. Car insurance companies all have client service departments for customer questions.

Can you save money buying online? It’s hard to say exactly since there are so many factors that impact your final bill. It’s a common assumption that buying direct saves the commission normally paid to an agent. But that assumption is generally incorrect because advertising budgets are huge so rates may not be all that different from traditional agents.

When trying to find the best rates, the only way to determine who has the best deal, local agents or online insurance companies, is comparing prices for both of them. You can actually get different rates from the same company when using both online and agent quotes. It’s not possible to know which method provides the best price without quoting coverages utilizing both methods.

New Berlin WI independent agents

More information about auto insurance

Even more information can be read at the Wisconsin Office of the Commissioner of Insurance website. Consumers can report car insurance fraud, file complaints about an insurance agent or broker, and read enforcement actions against agents and companies.

Other related articles:

What is YOUR best insurance company?

Consumers change insurance companies for a variety of reasons including denial of a claim, policy cancellation, poor customer service or policy non-renewal. Regardless of your reason, finding a new company is pretty easy and you might even save some money in the process.

While you’re price shopping online, it’s not a good idea to buy less coverage just to save a little money. In too many instances, someone dropped comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at a price you can afford, not the least amount of coverage.