If you’re looking for a good insurance agent in Branford, Connecticut, it’s recommended you do the preliminary legwork online rather than picking up the phone. We’re guessing that not only do you want an excellent agent, but also great rates as well.
With companies like independent agents, Allstate and State Farm all competing for business in Branford, consumers have a hard time knowing which will provide the best service and rates. To help decide, you can use online price quotes in order to build a list of insurance agents to choose from.
Best way to find Branford agents
Licensed agents can point out coverage gaps and help you file claims. One of the great benefits of comparing insurance prices online is you may find lower rates and still choose a local agent. Buying from small agencies is especially important in Branford.
Upon completion of this quick form, your information is immediately sent to insurance agents in Branford who will return price quotes to get your business. There is no reason to visit any agencies as quotes are delivered straight to your inbox. Now that’s easy! It’s the lowest rates without the usual hassles of price shopping.
Choose an insurance agent wisely
When looking for a local agent, you must know there are a couple types of agencies from which to choose. Agents are categorized either independent or captive.
Independent Insurance Agents
Independent insurance agents are not locked into one company but rather can write business with many different companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent. When comparison shopping, we recommend you contact several independent insurance agents to ensure the widest selection of prices. They also have the ability to place coverage with smaller regional carriers who may have lower rates.
Listed below is a short list of independent insurance agencies in Branford that are able to give comparison quotes.
- Mobeck and Guandalini Insurance – 184 Maple St # 1 – Branford, CT 06405 – (203) 488-4322
- Richard W Squeri Agency – 698 Main St – Branford, CT 06405 – (203) 488-1677
- Lupoli Insurance LLC – 288 E Main St – Branford, CT 06405 – (203) 481-6241
Captive Insurance Agents
Captive insurance agents have only one company to place business with such as American Family, State Farm and Allstate. They generally cannot give you multiple price quotes so it’s a take it or leave it situation. Captive agents receive extensive training on their company’s products which helps them sell insurance even at higher premiums. Consumers often buy from captive agents mostly because of the prominence of the brand and strong financial ratings.
The following are captive agents in Branford willing to provide price quotes.
- State Farm Insurance – 46 Park Pl # D – Branford, CT 06405 – (203) 481-2005
For a full directory of captive insurance agents in Branford, visit this site.
Deciding on an insurance agent shouldn’t rely on just a low price. Some important questions to ask are:
- Do they carry Errors and Omissions coverage?
- Are there any discounts that you might be missing?
- How much can you save by raising your physical damage deductibles?
- Do they have any clout with companies to ensure a fair claim settlement?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Who are their largest clients?
- Which members of your family are coverage by the policy?
- Can they provide you with a list of referrals?
Once you have received satisfactory answers for all questions you ask and locked in a price quote, it’s possible that you found a car insurance agent that will service your policy.
Buying auto insurance direct is an option
Licensed agents are indespensible for some people, but you can also buy Connecticut car insurance direct from companies online. Certain auto insurance companies, such as Farmers Insurance and State Farm, who sell through the agent channel also give you the option to buy a policy online. This is something to consider.
If you’re uncomfortable with whether or not you’ll have guidance when buying car insurance direct, don’t be too concerned. Auto insurance companies all have client service departments for answering any questions you have.
Is it cheaper to buy online? That question is hard to answer because there are many components that influence the price you pay. Common logic is that a customer who purchases direcly from an online company prevents the agent from taking a cut. But in most cases, it’s expensive to advertise so the rates may be similar to buying from an agent.
Read more about Connecticut auto insurance
Additional auto insurance information can be read on the Connecticut Insurance Department website located here. Visitors are able to find out industry alerts, download brochures, and read enforcement actions against agents and companies.
The articles below may also help you learn more about auto insurance in Branford
- 8 Ways You Can Buy Auto Insurance for Less in Branford Connecticut
- 8 Best Methods to Lower Auto Insurance Costs in Branford Connecticut
Buy online or local, you save
Drivers switch companies for many reasons like an unsatisfactory settlement offer, high prices, policy cancellation or being labeled a high risk driver. It doesn’t matter what your reason, switching companies is actually quite simple.
Discount auto insurance can be sourced on the web and with local Branford insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not offer online price quotes and these regional insurance providers work with independent agents.