Finding good auto insurance in Danbury can be challenging since you have many choices and finding the best Connecticut auto insurance agent is more difficult than just calling the closest agent. Consumers require a good professional insurance agent, and also competitive auto insurance rates.
Insurance companies such as Allstate, Progressive and Geico persitently shower you with catchy ads and it is difficult to separate fact from fiction and take the time to shop coverage around.
Your local neighborhood insurance agent
Educated insurance agents can answer important questions and help you file claims. The best thing about price shopping on the web is you can get the best rates and still choose a local agent.
By using this form (opens in new window), your insurance data is sent to local insurance agents in Danbury who will give you bids for your insurance coverage. You don’t have to leave your computer since price quotes are sent directly to your email. How’s that for easy! You can find the lowest rates and work with a local agent.
Deciding on an insurance agent should depend on more than just a cheap price. Ask your prospective agent these questions:
- Who is covered by the car insurance policy?
- Who are their largest clients?
- Do they carry Errors and Omissions coverage?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they specialize in personal lines coverage?
- How often do they review policy coverages?
Types of insurance agencies in Danbury
If you’re trying to find local Danbury agents, you must know there are a couple types of insurance agents that you can select. Danbury agents are categorized either captive or independent (non-captive).
Captive Insurance Agents
Captive agencies are contracted to one company and examples are State Farm, AAA, Farmers Insurance or Allstate. They are unable to compare other company’s rates so they have no alternatives for high prices. These agents are trained well in insurance sales and that can be a competitive advantage.
The following are Danbury captive insurance agencies that are able to give rate quotes.
Allstate Insurance – 45 Padanaram Rd – Danbury, CT 06811 – (203) 791-9595
State Farm Insurance – 19 Padanaram Rd – Danbury, CT 06811 – (203) 743-0664
Independent Agents
Independent agencies are not required to write business for one company but rather can write business amongst many companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency. When searching for an agent, it’s recommended you include price quotes from multiple independent agents to have the most options to choose from.
Shown below is a list of independent agencies in Danbury that can give you comparison quotes.
Insurance Solutions – 10 Hayestown Rd – Danbury, CT 06811 – (203) 730-2951
Settle Agency Inc – 248 Main St – Danbury, CT 06810 – (203) 748-4400
Mirante Agency – 272 Main St – Danbury, CT 06810 – (203) 778-9676
R M Insurance Svc – 255 Main St # 2-1 – Danbury, CT 06810 – (203) 798-8288
Ashmore Agency Inc – 54 Main St # 5 – Danbury, CT 06810 – (203) 744-7000
For a full directory of auto insurance agents in Danbury, view this link.
Once you have positive feedback to all your questions and locked in a price quote, you’ve probably found an insurance agency that will properly service your auto insurance policy.
Does buying direct online cost less?
Auto insurance agents are important to many people, but Connecticut consumers also have the option to buy directly from online companies. A few companies like State Farm and Allstate who have local Danbury agents also permit you to get quotes and purchase online, so keep that in mind and can also potentially find you lower rates.
If you’re worried about selecting your own policy coverages when buying car insurance direct, that shouldn’t be an issue. Car insurance companies that allow you to purchase coverage give you access to trained agents for answering any questions you have. Consumers also can use live help and 24/7 access to help you make a buying decision.
Do people save by buying online? That question is hard to answer since there are many things that influence the price you pay. It’s often assumed that buying directly from the company saves money because there is no commission. For most companies selling online, however, there are high advertising and marketing costs and that can cost more than having to pay agents.
The only method to determine whether online companies or local agents have lower rates is making fair comparisons of each of their rates. It’s even possible to receive different pricing when comparing agent prices to online quotes for the identical company. You won’t discover where you can get the lowest rates without getting separate quotes each way.
Additional detailed information can be found at the Connecticut Insurance Department website. Visitors are able to download brochures, view a list of available companies, and find a variety of consumer forms.
The articles below may also help you learn more about auto insurance in Danbury
More effort can pay off
People switch companies for a variety of reasons including high rates after DUI convictions, policy cancellation, extreme rates for teen drivers or even questionable increases in premium. It doesn’t matter why you want to switch finding the right auto insurance provider can be easy and end up saving you some money.
While you’re price shopping online, do not skimp on coverage in order to save money. Too many times, an accident victim reduced collision coverage only to regret at claim time that it was a big mistake. Your focus should be to buy a smart amount of coverage at a price you can afford.
