How to Compare Auto Insurance Rates From New Rochelle Agents

Selecting a auto insurance company in New Rochelle, NY can be time consuming since choosing the right New Rochelle insurance agent is not as easy as just driving to the closest agent’s office. You need a decent agent, and also want to find the cheapest rates you can possibly find.

Lots of auto insurance agents contend to insure your vehicles, so it’s not easy to compare every insurance agent to find the absolute best price available.

New Rochelle agents for auto insurance

Agents can help determine the best coverages and help submit paperwork. One of the best bonuses of getting online price quotes is the fact that you can find the best rates but still work with a licensed agent.

After completing this short form, the coverage information is sent to local insurance agents who will battle for your coverage. You don’t have to leave your computer because quoted prices will be sent to your email. Now that’s easy!

Picking an insurance agency needs to be determined by more than just the price. Here are some questions to ask:

  • Which company do they place the most coverage with?
  • Are you getting all the discounts the company offers?
  • Is working in the agency their full-time job?
  • Are they able to influence company decisions when a claim is filed?
  • What is the agency’s Better Business Bureau rating?

Different types of auto insurance agents in New Rochelle

When looking for a local agent, there are two different types of agents that differ in how they can insure your vehicles. Agencies in New Rochelle can either be independent or captive. Either one can properly insure your vehicles, but it’s good to learn how they differ because it can influence buying decisions.

Agency Captives

These agents are contracted to one company and some examples include State Farm or Allstate. These agents are not able to compare other company’s rates so they are skilled at selling on more than just price. They are well schooled on their company’s products which helps them compete with independent agents.

The following is a short list of captive agencies in New Rochelle willing to provide comparison quotes.

State Farm Insurance – 626 North Ave – New Rochelle, NY 10801 – (914) 712-3000
Allstate Insurance Co – 778 Main St – New Rochelle, NY 10805 – (914) 633-1400
North American Family Inst – 48 Burling Ln – New Rochelle, NY 10801 – (914) 235-4726

Independent Agencies or Brokers

Independent agencies are not employed by any specific company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency. When searching for an agent, it’s a good idea to include price quotes from several independent insurance agents to have the most options to choose from.

Listed below is a list of independent agents in New Rochelle willing to provide rate quotes.

Maxwell/Torpie Agency – 556 North Ave – New Rochelle, NY 10801 – (914) 576-1515
E B Insurance – 200 North Ave – New Rochelle, NY 10801 – (914) 576-4995
Nancy Hardy Insurance – 270 North Ave # 708 – New Rochelle, NY 10801 – (914) 636-8455
Mi Casa Income Tax and Agency – 212 North Ave – New Rochelle, NY 10801 – (914) 235-2898
Wykagyl Agency Inc – 1299 North Ave – New Rochelle, NY 10804 – (914) 632-9101

To view a full list of auto insurance agents in New Rochelle, click here to link.

After getting positive feedback to any questions you have and a good coverage price, you’ve probably found an auto insurance agent that is a good match to adequately provide auto insurance.

Include online companies when price shopping

Professional insurance agents are a valuable resource, but you also have the option of buying New York car insurance from online companies direct. Even companies, such as State Farm, Allstate and Farmers, that sell primarily through agents also allow consumers to buy a policy online, and that is helpful.

If you’re concerned about not having someone to ask questions when buying car insurance direct, that is quite common when buying online the first time. Online car insurance companies all have toll-free customer service you can use to get advice on coverages.

Can you find lower rates online? That question is hard to answer because there are a lot of things that influence your rates. Some people will tell you that a customer who purchases direcly from an online company saves the commission normally paid to an agent. For most companies selling online, however, the cost of constant advertising is expensive so the lack of a commission may be a wash.

quotes for New Rochelle NY insurance

Additional detailed information can be found at the New York Department of Financial Services website. Visitors are able to find disaster information, find a variety of consumer forms, find out which companies have the most complaints, and read enforcement actions against agents and companies.

Also read more on this resource for New York auto insurance prices and this link where you can get more info about New Rochelle coverage.

Online plus local equals savings

Lower-priced auto insurance can be sourced online and with local New Rochelle insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice full coverage to discover at claim time that they should have had better coverage. Your aim should be to buy enough coverage at a price you can afford.