If you’re looking to buy auto insurance, selecting the best Laconia auto insurance agent for your needs is more difficult than just using the same insurance agency as your neighbor. Consumers need a decent agent, and also the best auto insurance prices in Laconia.
Insurance companies such as Geico, Progressive and Allstate promote their brand names with TV and radio ads and it is challenging if not impossible to avoid their marketing magic and effectively compare rates to find the best deal.
Online price comparisons from Laconia agents
Good agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing insurance prices online is you may find the lowest rates and still choose a local agent.
By using this quick form, your insurance coverage information is immediately sent to participating agents in Laconia who will compete for your insurance coverage. You never need to leave your computer because quoted prices will be sent to your email. How cool is that?! Get lower rates AND an agent nearby.
Picking an auto insurance agent needs to be determined by more than just the price. Here are some questions to ask:
- Which insurance companies are they affiliated with?
- How often do they review policy coverages?
- Is the agent and/or agency licensed to do business in New Hampshire?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is the agency involved in supporting local community causes?
- How long has their agency been in business in Laconia?
Captive agents vs. Independent agents
When searching for a reputable insurance agent or broker, you need to know there are two types of insurance agents from which to choose. Insurance agencies in Laconia are classified as either independent or captive.
Captive Insurance Agents
Captive agents can only write with one company and examples are Farmers Insurance or State Farm. These agents are unable to provide prices from multiple companies so keep that in mind. These agents are trained well in insurance sales which helps them compete with independent agents.
Shown below are Laconia captive insurance agents who may provide you with comparison quotes.
State Farm Insurance – 101 Court St – Laconia, NH 03246 – (603) 524-7733
Independent Agents
These agents are not employed by any specific company so they can insure your vehicles with any number of different companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency.
When comparing rates, we recommend you include multiple independent agents to ensure the widest selection of prices.
Shown below are independent agencies in Laconia who can help you get rate quotes.
Hurt and Forbes Agency – 957 Union Ave – Laconia, NH 03246 – (603) 524-3731
Byse Agency Inc – 208 Union Ave – Laconia, NH 03246 – (603) 524-4242
Insurance Express – 517 Union Ave – Laconia, NH 03246 – (603) 527-6060
Melcher and Prescott Agency Inc – 423 S Main St – Laconia, NH 03246 – (603) 524-4535
Best Insurance – 762 N Main St – Laconia, NH 03246 – (603) 528-4222
To view a complete directory of licensed insurance agents in Laconia, simply jump to this page.
Once you have received acceptable answers to any questions you have and locked in a price quote, you have narrowed it down to an insurance agent that can service your policy.
Do online insurance companies have lower rates?
Insurance agents are perfect for certain consumers, but you can also find affordable New Hampshire auto insurance from online companies direct. Some specific companies, such as Farmers Insurance and State Farm, who sell through the agent channel also permit you to buy direct online, so this should also be taken into consideration if you’re trying to lower your rates.
If you’re uneasy about having to choose coverages yourself when buying direct, don’t be too concerned. Online companies that require consumers to choose their own coverages provide customer service that you can contact for information.
Will you save money buying auto insurance online? That is a tough question to answer since there are so many components that impact your rate calculation. Common sense would say that purchasing direct online reduces premiums because there is no agent. But that assumption is generally incorrect because there are high advertising and marketing costs and this drives up their premium costs.
If you’re not set on any one company, the best way to find out if agents have better prices than online companies is comparing rate quotes from both. You can actually get different rates from insurance agents and online quoting from exactly the same company. But you won’t know which way will be cheaper unless free rate quotes are compared using both methods.
Quote often and quote early
Consumers who switch companies do it for a number of reasons such as delays in responding to claim requests, an unsatisfactory settlement offer, high prices or not issuing a premium refund. Regardless of your reason, finding a new auto insurance company can be less work than you think.
As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. Too many times, drivers have reduced physical damage coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at the best price, not the least amount of coverage.
Read more about New Hampshire auto insurance
More tips and info about auto insurance is located at the New Hampshire Insurance Department website. Consumers can find out industry alerts, learn about insurance regulations, find a variety of consumer forms, and view a list of available companies.
