Finding a Great Insurance Agency in West Haven

If you’re trying to find a licensed insurance agent in West Haven, we recommend you begin your search online rather than looking in the yellowpages. The chances are good you not only want a good agent, but also the best rates possible.

With insurance companies like American Family, Allstate, State Farm and independent agents having offices in West Haven, consumers have a hard time knowing which one will provide you with the best rates, service and coverage. Thankfully, consumers can use insurance quotes online to get a list of agencies and price estimates.

Your insurance agent down the street

Agents can help determine the best coverages and give you peace of mind. One of the best bonuses of comparing insurance prices online is you can get lower rates and still have an agent to talk to. Supporting small agencies is especially important in West Haven.

To help locate an agent, after submitting this quick form, your insurance data is emailed to agents in your area who will return price quotes for your coverage. There is no reason to drive around because quoted prices will be sent directly to your email. Now that’s easy!

West Haven insurance agencies come in two flavors

If you’re trying to find a good insurance agency, you must know there are a couple different agency structures that you can select. West Haven agents are categorized either captive or independent. Either one can properly insure your vehicles, but it’s good to learn the differences since it can impact your agent selection.

Independent Agencies or Brokers

Independent insurance agents are not locked into one company but instead can place your coverage with many different companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage and you won’t have to switch agencies.

When comparison shopping, it’s recommended you include at least one independent agent for the best price selection.

The following is a short list of independent agents in West Haven who may be able to give you rate quotes.

Founders Insurance Group Inc – 764 Campbell Ave # G – West Haven, CT 06516 – (203) 937-1788
Action Auto Insurance – 761 Campbell Ave – West Haven, CT 06516 – (203) 932-8221
Parillo Agency – 103 Elm St – West Haven, CT 06516 – (203) 932-5909
Daniels Agency Inc – 212 Main St – West Haven, CT 06516 – (203) 934-2628

Captive Agents

This type of agents are contracted to one company like Allstate, Farmers Insurance, State Farm and AAA. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Captive agents are very knowledgeable in insurance sales and that can be a competitive advantage.

Shown below is a short list of captive agencies in West Haven who can help you get price quotes.

State Farm Insurance – 505 Campbell Ave – West Haven, CT 06516 – (203) 932-0591

To view a complete directory of captive agents in West Haven, view this link.

Choosing a car insurance agent should depend on more than just the premium amount. Here are some questions to ask:

  • How are claims handled?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Can they give you a list of client referrals?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Are claims handled at the agent’s location?
  • Which insurance companies are they affiliated with?

Upon receiving reasonable responses to these questions and locked in a price quote, you may have just found an auto insurance agent that is a good match to provide car insurance coverage.

Consider all buying options to save money

Car insurance agents can be invaluable at times, but Connecticut car insurance can also be bought from companies direct over the internet. Some specific companies, such as State Farm, Allstate and Farmers, who have local agents in West Haven also allow consumers to buy direct on their websites, so that should be considered to possibly find a better rate.

If you’re uncomfortable with not getting advice from an agent when buying online, that is normal but is not a big issue. Auto insurance companies all provide contact methods for customer questions.

Connecticut independent agents

Is car insurance cheaper online? It’s hard to say exactly because there are many components that impact your final bill. It’s a common assumption that buying direct reduces premiums because there is no agent. For most companies selling online, however, marketing expenses are significant and that can cost more than having to pay agents.

In the end, you save

The cheapest car insurance is available online and with local West Haven insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies do not offer online price quotes and these small insurance companies work with independent agents.

Drivers leave their current company for many reasons like high prices, extreme rates for teen drivers, lack of trust in their agent or even high rates after DUI convictions. It doesn’t matter why you want to switch finding the right car insurance provider is not as difficult as it may seem.

To learn more about car insurance in Connecticut

Much more information about car insurance in Connecticut is available on the website for the Connecticut Insurance Department. Click here for link. Connecticut drivers can find out industry alerts, find disaster information, and find out which companies have the most complaints.