Consumers Guide to Researching a Cambridge, MA Insurance Agency

If you’re looking to buy auto insurance, finding the best Massachusetts insurance agency is not as easy as just randomly choosing from the yellow pages. Chances are you’re wanting a professional licensed agent, but also the lowest possible price.

With insurance companies like State Farm, Allstate, Farmers and independent agents having offices in Cambridge, it’s difficult to determine which will provide the cheapest rates and the best coverage. To help decide, consumers can get online price quotes to get a list of agencies to choose from.

How to buy auto insurance from an agent in Cambridge

Agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of comparing rates online is that you can obtain the best rates but also keep your business local. Buying from small agencies is definitely important in Cambridge.

For easy comparison, once you complete this simple form, your coverage information gets sent to agents in your area who will compete to get your business. You don’t have to even leave your home due to the fact that quote results will go to your email. It doesn’t get any easier!

The following is a list of car insurance agents in Cambridge that may be able to provide price quote information.

  • H Levenbaum Insurance – 495 Massachusetts Ave, Cambridge, MA 02139 – (617) 354-2444
  • Cambridgeport Insurance – 195 Brookline St, Cambridge, MA 02139 – (617) 491-0872

For a full directory of insurance agents in Cambridge, view this link.

Choosing an insurance agent should depend on more than just the bottom line cost. Here are some questions to ask:

  • Is the agent and/or agency licensed to do business in Massachusetts?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Does the agency support the community they serve?
  • Do they review policy coverages at every renewal?
  • How long has their agency been in business in Cambridge?
  • Can glass repairs be made at your home?

After receiving answers to your satisfaction for all questions you ask in addition to an acceptable price estimate, you may have just found an insurance agency that meets your needs to provide auto insurance coverage.

Are online companies an option?

Insurance agencies are important, but you can also buy Massachusetts car insurance from companies direct over the internet. Some companies like State Farm and Allstate who sell through agents in Cambridge also give you the ability to buy direct online, and that is helpful if finding the best price is important.

If you’re concerned about selecting your own policy coverages, don’t be too concerned. Online insurance companies that allow you to purchase coverage provide phone numbers and online resources to answer any questions you may have. Also available are online education and live help anytime to clarify any questions you may have.

Is it cheaper to buy online? The answer is complex because of the number of factors which can adversely affect your policy premium. It would make sense to think that going direct saves the cost of an agent commission. In reality, advertising and marketing take a lot of money and those expenses can offset most of the savings by selling direct.

Quote often and quote early

The cheapest auto insurance is attainable from both online companies in addition to many Cambridge insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. There are too many instances where someone sacrificed full coverage and found out when filing a claim that it was a big mistake. Your focus should be to find the BEST coverage for the lowest price while not skimping on critical coverages.

Locate Massachusetts insurance agents

Additional information is available on the Massachusetts Division of Insurance website through this link. Massachusetts drivers can learn about specific coverages, read enforcement actions against agents and companies, find out industry alerts, and learn about insurance regulations.