Comparing auto insurance companies in Worcester, MA can be challenging because choosing the right Worcester insurance agency is not as easy as just using the same insurance agency as your neighbor. Consumers need a friendly agent, but also competitive auto insurance rates.
Many car insurance agents vie to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the lowest rate possible.
How much car insurance do I need?
When it comes to buying adequate coverage, there really is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that might point out if your situation may require specific advice.
- Am I covered if I crash into my own garage door?
- How high should my uninsured/underinsured coverage be in Massachusetts?
- Do I need roadside assistance coverage?
- Are there companies who specialize in insuring high-risk drivers?
- Do I have coverage if my license is suspended?
- What is the minimum liability in Massachusetts?
If you can’t answer these questions, then you may want to think about talking to an agent.
Worcester agents and online quotes
Good agents are trained to spot inefficiencies and help submit paperwork. The best thing about price shopping on the web is the fact that you can find lower rates but also keep your business local.
To help locate an agent, after submitting this simple form, your insurance coverage information gets sent to insurance agents in Worcester who will return price quotes for your coverage. You never need to visit any agencies since price quotes are sent immediately to your email address. Now that’s easy! You can find the lowest rates AND an agent nearby.
Choosing an insurance agency needs to be determined by more than just a cheap price. These are valid questions to ask:
- How are claims handled?
- Which members of your family are coverage by the policy?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the agency have a good rating with the Better Business Bureau?
- Is their price quote a firm figure or are their hidden costs?
- Do the companies they represent have a solid financial rating?
Different types of auto insurance agents in Worcester
If you’re trying to find a reliable agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Agencies in Worcester can either be independent or captive.
Agency Captives
Captive insurance agents can only place business with one company such as AAA, Allstate and State Farm. These agents are not able to shop your coverage around so keep that in mind. Captive agents are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
Independent Insurance Agents
Independent insurance agents are not employed by any specific company so they have the ability to put 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 comparison shopping, we recommend you contact multiple independent agents to have the most options to choose from.
Listed below are independent agents in Worcester who can help you get comparison quotes.
Worcester Agency – 440 Lincoln St – Worcester, MA 01653 – (508) 855-6566
Quaker Agency Inc – 51 Harvard St – Worcester, MA 01609 – (508) 755-6210
Richard N Eid Insurance – 29 Chestnut St # 29 – Worcester, MA 01609 – (508) 757-0804
Bullock Agency – 1078 W Boylston St – Worcester, MA 01606 – (508) 854-8100
JJM Insurance – 623 Chandler St – Worcester, MA 01602 – (508) 791-1141
For a full directory of Worcester insurance agents, click here to link.
After receiving satisfactory answers to any questions you have and an affordable coverage quote, chances are good that you have found a car insurance agent that can adequately provide auto insurance.
Online companies are an option
Local insurance agents are perfect for certain consumers, but you also have the option of buying direct from companies that only sell online. Some companies, such as Farmers Insurance and State Farm, who have local Worcester agents also give you the option to quote and buy online, and consumers should do that.
If you’re worried about not having an insurance agent’s advice when buying direct, that should not be a issue. Online car insurance companies have toll-free phone numbers and other options for getting questions answered. In addition, they usually offer live help and an extensive research center to clarify any questions you may have.
Are car insurance rates lower online? Many people swear by it, but it’s difficult to answer because there are so many things that influence your rates. You may think that buying directly from the company cuts out the middleman. But in reality, there are high advertising and marketing costs and this tends to eat up any savings.
When trying to find the best rates, the only way to determine if agents have better prices than online companies is making fair comparisons of each of their rates. Even though it sounds odd, people frequently get different pricing using an online quote and an agent quote from the same insurance company. But you can’t find out which has the best rates until you actually compare rates both ways.
More detailed Massachusetts auto insurance information can be found at the Massachusetts Division of Insurance website. Visitors are able to read industry bulletins, view agent and company licensing information, report car insurance fraud, and read consumer alerts.
Best coverage at the best price
Consumers switch companies for many reasons like an unsatisfactory settlement offer, unfair underwriting practices, delays in responding to claim requests and poor customer service. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.
As you go through the steps to switch your coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped uninsured motorist or liability limits only to find out they didn’t have enough coverage. Your focus should be to buy a smart amount of coverage at a price you can afford.
