How to Compare Auto Insurance Rates From North Haven Agents

Finding good auto insurance in North Haven can be challenging since you have many choices and choosing the right North Haven insurance agent takes more work than just calling the closest agent. For this article’s sake, it’s assumed you not only want a highly trained agent, but also the lowest possible price.

With companies like Allstate, Farmers and State Farm as well as independent agents having local North Haven offices, consumers have a hard time knowing which insurance agency will give you the best rates, service and coverage. To help decide, consumers can get online quotes to get a list of insurance agencies from which to choose.

Buying car insurance locally

Educated insurance agents can point out coverage gaps and give you someone to call. One of the best bonuses of price shopping on the web is you may find lower rates but still work with a licensed agent. And providing support for small agencies is important especially in North Haven.

By using this quick form, the coverage information is instantly submitted to agents in your area who will battle for your insurance coverage. There is no need to leave your computer as quotes are delivered directly to your email. It doesn’t get any easier!

North Haven auto insurance agents are either independent or captive

When searching for a local agent, you need to know there are two different types of agents to choose from. Insurance agencies in North Haven are categorized either captive or independent (non-captive). While both can properly insure your vehicles, but it’s worth mentioning the difference between them since it may influence your selection of an agent.

Independent Agencies or Brokers

Independent agencies are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies and that require little work on your part. When searching for an agent, we recommend you get quotes from multiple independent agents for the best price selection. Many write coverage with smaller regional carriers which can save you money.

Listed below is a list of independent agencies in North Haven who can help you get price quote information.

  • Joseph Mantovani Insurance – 500 Washington Ave # 108 – North Haven, CT 06473 – (203) 239-5484
  • National Insurance Plans Inc – 500 Washington Ave # 2 – North Haven, CT 06473 – (203) 234-0034
Captive Insurance Agents

These agents can only write with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to compare other company’s rates so they have no alternatives for high prices. They are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage. Consumers often choose to use a captive agent mostly because of the prominence of the brand and the convenience of having a single billing for all their coverages.

The following is a list of captive agencies in North Haven that are able to give rate quotes.

  • State Farm Insurance – 127 Washington Ave – North Haven, CT 06473 – (203) 234-0897
  • Allstate Insurance – 4 Broadway # A – North Haven, CT 06473 – (203) 234-7122

For a complete listing of captive agents in North Haven, please click here.

Selecting an insurance agency should depend on more than just the bottom line cost. Ask your prospective agent these questions:

  • Does the agency have a good rating with the Better Business Bureau?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Which members of your family are coverage by the policy?
  • If your car is totalled, how to they determine the replacement cost?
  • Who are their largest clients?
  • What are the financial ratings for the companies they represent?

Once you have received answers to your satisfaction to these questions and locked in a price quote, you may have just found an auto insurance agent that meets your needs to insure your vehicles.

The online companies promise big savings

Professional insurance agents can be invaluable at times, but you can also find affordable Connecticut auto insurance from companies direct over the internet. Some car insurance companies, such as State Farm, Allstate and Farmers, who sell through agents in North Haven also give you the option to buy a policy online, and that is helpful if you’re trying to lower your rates.

If you’re uneasy about having to choose coverages yourself when shopping online, that should not be a issue. Companies provide access to licensed agents for answering any questions you have. They also have live help and an extensive research center that can help answer basic questions.

When trying to find the best rates, the only way to determine whether prices are lower online or from agents is to compare price quotes from both. You could possible even receive different price quotes for the same auto insurance company when using both online and agent quotes.

Are car insurance rates lower online? The answer to that question is complicated since there are so many components that determine your policy premium. You may think that buying car insurance online saves the cost of an agent commission. But in most cases, advertising budgets are huge so there may not be significant savings.

Additional Connecticut car insurance resources

Additional auto insurance information is located on the Connecticut Insurance Department website found here. Connecticut drivers can file complaints about a company, file complaints about an insurance agent or broker, find out industry alerts, and read enforcement actions against agents and companies.

compare North Haven Connecticut insurance agents

More effort can pay off

Insureds change insurance companies for many reasons like being labeled a high risk driver, denial of a claim, unfair underwriting practices or questionable increases in premium. Regardless of your reason for switching companies, switching companies is less work than it seems.

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced physical damage coverage and found out when filing a claim that it was a big error on their part. The aim is to get the best coverage possible at the best price, not the least amount of coverage.