When finding an insurance agent in Brewer, Maine, it’s recommended you do an initial search by getting online comparison quotes to save yourself time. For this article’s sake, it’s assumed you want a good agent that listens to you, but also affordable coverage.
With companies like Allstate, Farmers and State Farm as well as independent agents all competing for your business, it’s hard to tell which provider will provide you with the best service and rates. To help decide, consumers can use insurance quotes online to assemble a group of agents and thier coverage prices.
Best way to find Brewer agents
Professional agents can help determine the best coverages and help in the event of a claim. The biggest benefit of comparing insurance prices online is that you can obtain the lowest rates and still choose a local agent. Buying from small agencies is especially important in Brewer.
For easy comparison, once you complete this quick form, the quote information is immediately sent to companies in Brewer who will battle for your business. You don’t have to drive around due to the fact that quote results will go to your email. How’s that for easy! You can find better rates AND a local agent.
What types of auto insurance agents are in Brewer?
When finding a local agent, you must know there are a couple types of agencies to choose from. Brewer agents can either be independent or captive.
Independent Agents (or Brokers)
Independent agencies are not locked into one company but instead can place your coverage with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency.
When comparing rates, it’s recommended you contact at least one independent agent for the best price selection.Many can place coverage with different regional companies which may provide better rates.
Listed below are Brewer independent agents that can give you pricing information.
- All Points Insurance Inc – 309 S Main St – Brewer, ME 04412 – (207) 989-8880
- Roland W Grindle Insurance Inc – 63 Union St – Brewer, ME 04412 – (207) 989-7878
Captive Insurance Agents
Captive agents write business for a single company and some examples include State Farm, AAA and Liberty Mutual. They are unable to give you multiple price quotes so it’s a take it or leave it situation. They are trained well in insurance sales which can be an advantage. Consumers frequently buy from captive agents mostly because of high brand loyalty and solid financial strength.
Below are captive insurance agencies in Brewer willing to provide comparison quotes.
- Allstate Insurance – 221 N Main St – Brewer, ME 04412 – (207) 989-1124
To view a full list of auto insurance agents in Brewer, please go to this site.
Selecting an auto insurance agent shouldn’t rely on just the price. Any agent should have no problem answering these questions:
- Is their price quote a firm figure or are their hidden costs?
- Are you getting all the discounts the company offers?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do the companies they represent have a solid financial rating?
- Is vehicle damage repaired with OEM or aftermarket parts?
Upon getting positive feedback and locked in a price quote, most likely you have located an insurance agency that meets your needs to properly service your auto insurance policy.
Can I save by eliminating the insurance agent?
Car insurance agents are important to many people, but you can also buy Maine car insurance direct from companies online. Certain auto insurance companies like Allstate and State Farm who have local Brewer agents also let you get a quote and buy online, so that should be considered as an alternative to contacting agents.
If you’re worried about selecting your own policy coverages when buying direct, this is normal but is quickly overcome. Companies that allow you to purchase coverage have toll-free phone numbers and other options for answering any questions you have. Also available are live help and an extensive research center you can access prior to buying.
Can online rates save money? It’s difficult to provide an answer since there are so many components which can raise or lower premium rates. Common sense would say that buying direct saves money by not requiring a commission. For the majority of companies, however, there are high advertising and marketing costs and this tends to eat up any savings.
Informative consumer insurance sites
Much more information about auto insurance in Maine can be read on the Maine Bureau of Insurance website found here. Visitors are able to find a variety of consumer forms, download brochures, find out industry alerts, and read consumer alerts.
Other informative sites include BankRate.com’s Car Insurance: When not to Skimp and this link which helps you find a Brewer agent.
Affordable insurance is out there
Cost effective auto insurance is possible from both online companies and with local Brewer insurance agents, and you should compare price quotes from both to have the best selection. Some auto insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.
Consumers leave their current company for a variety of reasons including policy non-renewal, delays in responding to claim requests, not issuing a premium refund and even unfair underwriting practices. Regardless of your reason, finding the right auto insurance provider can be less work than you think.