Finding the Best Auto Insurance Provider in Falmouth

If you’re trying to find an insurance agent in Falmouth, Maine, you can always do the preliminary legwork by getting online comparison quotes to save yourself time. We’re guessing you’re wanting a good professional insurance agent, but also affordable coverage.

With insurance companies like State Farm, Allstate and many independent agents having local Falmouth offices, consumers have a hard time knowing which insurance agency will provide the best service and rates. Thankfully, consumers can get online price quotes to assemble a group of insurance agencies from which to choose.

Car Insurance through a local Falmouth agent

Insurance agents are trained to spot inefficiencies and help you file claims. One of the great benefits of getting online price quotes is you can get the lowest rates and still choose a local agent. And providing support for local insurance agencies is important especially in Falmouth.

Once you complete this form (opens in new window), your coverage information is emailed to participating agents in Falmouth who will return price quotes for your business. You never need to leave your computer due to the fact that quote results will go to the email address you provide. How’s that for easy!

Two different types of insurance agents

When finding a reputable insurance agent or broker, you need to know there are two types of insurance agents from which to choose. Insurance agencies in Falmouth are classified as either captive or independent. While both can write coverage properly, but it’s good to learn how they differ since it may influence the selection process.

Independent Agents (or Brokers)

Independent insurance agents are not employed by any specific company so they have the ability to put coverage amongst many companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies and that require little work on your part. When comparing rates, it’s a good idea to contact at a minimum one independent agency to ensure the widest selection of prices. They often place coverage with smaller companies who may have lower rates.

Shown below are Falmouth independent agents that may be able to provide competitive price quotes.

  • Business Insurance – 366 Route 1 – Falmouth, ME 04105 – (207) 781-3074
  • Bradish Young Insurance – 202 Us Route 1 – Falmouth, ME 04105 – (207) 781-3519
Agency Captives

Captive agencies have only one company to place business with like AAA, State Farm, Farmers Insurance and Allstate. Captives cannot give you multiple price quotes so they have to upsell other benefits. Captive agencies are very knowledgeable on their products and sales techniques and that can be a competitive advantage. Consumers frequently buy insurance from these agents mainly due to the brand legacy and strong financial ratings.

Shown below is a list of captive agencies in Falmouth that are able to give price quotes.

  • State Farm Insurance – 325 Us Route 1 – Falmouth, ME 04105 – (207) 874-9200

For a complete listing of captive insurance agents in Falmouth, go to this page.

Picking an insurance agency requires more thought than just the bottom line cost. These questions are important to ask:

  • Do they regularly work with personal auto policies?
  • What is the agency’s Better Business Bureau rating?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Are they full-time agents?
  • Can glass repairs be made at your home?

Once you have received good answers to your questions as well as a affordable price, it’s possible that you found an auto insurance agent that will properly insure your vehicles.

Can I save by buying online?

Insurance agents are a valuable resource, but you can also buy Maine car insurance from online companies direct. Some car insurance companies who have local agents in Falmouth also permit you to buy online. This is something to consider if you want to do it yourself.

If you’re apprehensive about not getting proper coverage when buying car insurance direct, this really isn’t an issue. Online insurance companies that require consumers to choose their own coverages provide customer service you can use to get advice on coverages. They also make available the ability to chat online live with a sales rep and online research that can help answer basic questions.

Will auto insurance cost less online? Many people think so, but it’s hard to say for sure due to the large number of individual components that impact your premium. Some people think that buying online reduces premiums because there is no agent. But the reality is it’s expensive to advertise so the rates may be similar to buying from an agent.

The best insurance company isn’t always the cheapest

Low-cost auto insurance is definitely available from both online companies and also from your neighborhood Falmouth agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide online quoting and these smaller companies work with independent agents.

When you buy insurance online, it’s very important that you do not buy less coverage just to save a little money. Too many times, drivers have reduced physical damage coverage only to find out they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

best Maine insurance agency

Consumer auto insurance information in Maine

More information can be found on the Maine Bureau of Insurance website through this link. Consumers can discover disciplinary actions, view agent and company licensing information, read state legal mandates and laws, and file complaints about an insurance agent or broker.

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