Consumers Guide to Researching a Raymond Car Insurance Agent

When trying to find a good insurance agent in Raymond, NH, we recommend you start your research by comparing prices online instead of calling around. Consumers need a good professional insurance agent, and also cheap rates.

Since consumers have many different company options, it’s difficult to pick the cheapest insurance company.

Local Raymond agents and car insurance

Educated insurance agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing insurance prices online is that you can obtain lower rates but still work with a licensed agent.

After completing this form (opens in new window), your insurance coverage information is emailed to companies in Raymond who will return price quotes to get your business. You don’t have to leave your computer because quoted prices will be sent to your email. Now that’s easy! Get lower rates and a licensed agent to work with.

Deciding on an auto insurance agent shouldn’t rely on just the premium amount. These are valid questions to ask:

  • If your car is in the repair shop, do you have coverage for a rental car?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Can they provide you with a list of referrals?
  • Will your rates increase after a single accident?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Is their price quote a firm figure or are their hidden costs?
  • How are claims handled?

What types of car insurance agents are in Raymond?

If you’re trying to find an insurance agent, you need to know there are two different agency structures to choose from. Agents are either independent (non-captive) or captive.

Captive Insurance Agents

Captive insurance agents are contracted to one company like State Farm or Allstate. Captives cannot provide prices from multiple companies so keep that in mind. Captive agents are trained well on their products and sales techniques which helps them compete with independent agents. Consumers often choose to use a captive agent primarily because of the brand legacy and the convenience of having a single billing for all their coverages.

Independent Agents (or Brokers)

Independent agents do not work for one specific company but rather can write business with many different companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies.

When comparison shopping, you should always include several independent insurance agents for maximum quote selection.Most can insure with smaller regional carriers which can save you money.

Below is a list of independent insurance agents in Raymond willing to provide rate quotes.

  • Annis-Rajchel Insurance Inc – 74 Main St – Raymond, NH 03077 – (603) 895-4766
  • Stewart Limited/Insurance Mgmt – 10 Freetown Rd – Raymond, NH 03077 – (603) 895-2200
  • Headd Agency – 39 Freetown Rd – Raymond, NH 03077 – (603) 895-1330

For a full directory of insurance agents in Raymond, please click here.

Once you have reasonable responses to your questions and an acceptable price quote, you have narrowed it down to an insurance agent that can properly insure your vehicles.

Do online insurance companies have lower rates?

Insurance agents are important, but New Hampshire drivers can also buy direct over the internet. Even companies that are more known for using agents, also allow consumers to buy direct on their websites, and that is helpful as an alternative to contacting agents.

If you’re apprehensive about selecting your own policy coverages when buying direct, this really isn’t an issue. Auto insurance companies that require consumers to choose their own coverages give you access to trained agents for answering any questions you have.

The only method to determine if prices are better online or from an agent is comparing prices for both of them. It’s even possible to receive different pricing from agents as you do online from the same car insurance company.

Is it cheaper to buy car insurance online? That is a tough question to answer since there are so many components that influence the price you pay. It’s a common assumption that purchasing direct online cuts out the agent as a middleman. For most companies selling online, however, it’s expensive to advertise so there may not be significant savings.

Even more information can be found at the New Hampshire Insurance Department website. Visitors are able to find out industry alerts, find out which companies have the most complaints, read enforcement actions against agents and companies, and read state legal mandates and laws.

Other informative sites include Wikipedia and this list of agents in Raymond, NH.

compare Raymond NH insurance agents

Quote more, save more

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. Too many times, an insured cut full coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

Consumers leave their current company for a number of reasons such as extreme rates for teen drivers, delays in responding to claim requests, questionable increases in premium or policy non-renewal. Whatever your reason, finding a new company is pretty easy and you might even save some money in the process.