Five Minutes to the Lowest Car Insurance Prices From Insurance Agents in Hagerstown

If you’re looking for an insurance agent in Hagerstown, Maryland, you can start your search using online quotes to save time. Chances are you want a highly trained agent, but you also want affordable coverage.

With insurance companies like Allstate, Farmers and State Farm as well as independent agents all competing for your business, consumers have a hard time knowing which provider will have the best rates, service and coverage. Thankfully, it’s easy to use online quoting in order to build a list of agents and thier coverage prices.

Online quotes help locate Hagerstown agents

Agents can point out coverage gaps and help submit paperwork. One of the great benefits of comparing insurance prices online is you can get the lowest rates but still work with a licensed agent. Buying from small agencies is definitely important in Hagerstown.

After completing this short form, the quote information is instantly submitted to insurance agents in Hagerstown who will return price quotes for your coverage. You never need to leave your house due to the fact that quote results will go directly to your email. How’s that for easy! You’ll get the best rates without the usual hassles of price shopping.

What type of Hagerstown auto insurance agent is right for you?

When searching for a good insurance agency, you need to know there are two types of insurance agents to choose from. Hagerstown agents are classified as either captive or independent (non-captive).

Independent Agents (or Brokers)

Independent agents are not employed by any specific company but rather can write business amongst many companies depending on which coverage is best. 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 price quotes from multiple independent agents to get the best comparison.

Shown below is a list of independent insurance agencies in Hagerstown that may be able to provide competitive price quotes.

Keller Stonebraker Insurance – 1120 Professional Ct # C – Hagerstown, MD 21740 – (301) 733-2530
Baker Insurance Inc – 927 S Potomac St – Hagerstown, MD 21740 – (301) 733-9606
Parlato Agency Inc – 17613 Virginia Ave – Hagerstown, MD 21740 – (301) 797-7500

Captive Insurance Agents

Captive agents are contracted to one company like Allstate, AAA, Liberty Mutual and State Farm. These agents are not able to compare other company’s rates so they have no alternatives for high prices. They are very knowledgeable in insurance sales which helps them compete with independent agents.

Shown below are captive agencies in Hagerstown willing to provide price quotes.

State Farm Insurance – 222 E Oak Ridge Dr # 1000 – Hagerstown, MD 21740 – (301) 733-1712
Allstate Insurance – 19737 Leitersburg Pike – Hagerstown, MD 21742 – (240) 420-3936

To view a full list of captive agents in Hagerstown, click here to link.

Selecting an auto insurance agent should depend on more than just the premium amount. Ask your prospective agent these questions:

  • Do they have any clout with companies to ensure a fair claim settlement?
  • What insurance companies do they recommend if they are an independent agent?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Who are their largest clients?
  • Does the agency support the community they serve?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

After receiving answers to your satisfaction to these questions and an affordable coverage quote, it’s possible that you found an auto insurance agent that can insure your vehicles.

But what about online car insurance?

Local insurance agents can be invaluable at times, but Maryland car insurance can also be bought direct from companies online. Some companies that are more known for using agents, also give you the ability to buy a policy online, so that should be considered and can also potentially find you lower rates.

If you’re anxious about not having an insurance agent’s advice when shopping online, that is quite common when buying online the first time. Online companies provide phone numbers and online resources to answer your questions.

Do customers save by switching to an online company? Many people think so, but it’s hard to say for sure since there are many things which can raise or lower premium rates. It’s logical to say that shopping direct saves money because there is no agent involvement. But the fact is, advertising budgets are huge and this drives up their premium costs.

compare Hagerstown MD insurance agents

More Maryland car insurance resources

Additional information can be found on the website for the Maryland Insurance Administration found here. Consumers can view agent and company licensing information, file complaints about a company, find a variety of consumer forms, and read industry bulletins.

The following information may also be useful.

Affordable insurance is out there

The cheapest car insurance is attainable both online and also from your neighborhood Hagerstown agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

People leave their current company for many reasons like delays in paying claims, high rates after DUI convictions, denial of a claim and even not issuing a premium refund. No matter why you want to switch, switching companies is pretty simple and you could end up saving a buck or two.