Selecting a auto insurance company in Stowe, VT can be time consuming since picking a good Vermont insurance agent is not as easy as just picking up the phone. You require a great agent that can assess your needs, and also want to find cheap rates.
Insurance companies such as State Farm, Geico and Farmers Insurance constantly bombard you with fancy advertisements and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.
Online quotes help locate Stowe agents
Licensed agents can help determine the best coverages and give you peace of mind. The biggest benefit of price shopping on the web is you may find lower rates and still have an agent to talk to.
Upon completion of this form (opens in new window), your insurance coverage information is submitted to participating agents in Stowe who will battle to get your business. You never need to visit any agencies as quotes are delivered to your email. How’s that for easy! It’s the lowest rates and an insurance agent to talk to.
Picking a car insurance agent requires more thought than just a cheap price. Some important questions to ask are:
- Are they able to influence company decisions when a claim is filed?
- Will their companies depreciate repairs to your car based on the mileage?
- Do the companies they represent have a solid financial rating?
- Are they full-time agents?
- If you are a high risk driver, do they have special markets for your coverage?
Captive or Independent: There is a difference
When searching for a good insurance agency, there are a couple of different agency structures that differ in how they can insure your vehicles. Stowe agents are classified as either independent (non-captive) or captive.
Captive agents are contracted to one company such as American Family, Liberty Mutual and AAA. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Captive agencies are usually quite knowledgeable on their company’s products which can be an advantage.
Independent agencies are not employed by any specific company but instead can place your coverage with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies.
When shopping rates, it’s recommended you get quotes from several independent insurance agents to have the most options to choose from.
Listed below is a list of independent agencies in Stowe that are able to give comparison quotes.
T S Peck Insurance – 626 Mountain Rd – Stowe, VT 05672 – (802) 253-5248
Stowe Insurance Inc – 105 Depot St – Stowe, VT 05672 – (802) 253-4855
For a complete listing of Stowe insurance agents, click here to link.
Once you have received positive responses to all your questions and an acceptable price quote, you’ve probably found an insurance agency that will insure your vehicles.
Online car insurance companies
Professional insurance agents are perfect for certain consumers, but Vermont consumers also have the option to buy direct from companies online. Even companies like State Farm and Allstate that are more known for using agents, also allow consumers to buy online, and online price comparisons are easy if you are the do-it-yourself type.
If you’re apprehensive about not having someone to ask questions when buying direct, that is quite common when buying online the first time. Online insurance companies all have toll-free customer service for getting the best coverage.
Is it cheaper to buy online? Many people think so, but it’s hard to say for sure because of the number of factors that influence how your policy is priced. Some people think that purchasing direct online saves by not paying a commission. But that assumption is generally incorrect because marketing their products costs a lot of money so there may not be significant savings.
More detailed Vermont auto insurance information is located at the Vermont Department of Financial Regulation website. Consumers can learn about specific coverages, discover disciplinary actions, and file complaints about a company.
Affordable insurance is out there
Drivers leave their current company for many reasons like lack of trust in their agent, unfair underwriting practices, an unsatisfactory settlement offer or even being labeled a high risk driver. Regardless of your reason for switching companies, finding the right auto insurance provider is pretty easy and you might even save some money in the process.
Low-cost auto insurance can be purchased on the web and also from your neighborhood Stowe agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.