How-to Guide to Finding an Insurance Agent in Kittery

Comparing car insurance rates in Kittery can be a lot of work since you have many choices and selecting the best Kittery insurance agency for your needs is more difficult than just calling the closest agent. We’re guessing you’re looking for a decent agent, but you also need affordable coverage.

With insurance companies like State Farm, Allstate and Farmers Insurance all competing for business in Kittery, it can be hard to know which provider will give you the best service and rates. To help decide, consumers can get online quotes to build a list of insurance agents and thier coverage prices.

How to buy car insurance from an agent in Kittery

Agents can help determine the best coverages and give you someone to call. The biggest benefit of getting online price quotes is you may find better rates but also keep your business local. Buying from local businesses is definitely important in Kittery.

Once you complete this simple form, your insurance data gets sent to companies in Kittery who will return price quotes for your coverage. You don’t have to visit any agencies since price quotes are sent straight to your inbox. How’s that for easy!

Types of insurance agents in Kittery

When looking for a good Kittery insurance agent, you must know there are a couple types of agencies that you can select. Agents are categorized either captive or independent (non-captive). Both types can properly insure your vehicles, but it’s worth learning how they are different because it can impact the type of agent you choose

Independent Agencies or Brokers

Independent agencies are not locked into one company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and that require little work on your part.

When comparing rates, it’s recommended you include multiple independent agents for maximum quote selection.

Listed below is a list of independent insurance agencies in Kittery willing to provide comparison quotes.

Cole Harrison Agency – 27 Walker St – Kittery, ME 03904 – (207) 439-5981

Captive Insurance Agents

Captive agencies are contracted to one company like State Farm or Allstate. They generally cannot compare other company’s rates so always compare other rates. These agents are usually quite knowledgeable in insurance sales and that can be a competitive advantage.

Selecting an auto insurance agent needs to be determined by more than just the bottom line cost. Here are some questions to ask:

  • Do they feel the quoted coverages are adequate?
  • What is the agency’s Better Business Bureau rating?
  • Which insurance companies are they affiliated with?
  • How often do they review policy coverages?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • If you have an accident, will your rates go up?

Upon receiving positive feedback for all questions you ask and an acceptable price quote, chances are good that you have found a car insurance agent that can insure your vehicles.

Keep your options open

Local insurance agents are indespensible for some people, but you also have the option of buying Maine car insurance from companies direct over the internet. Even companies, such as State Farm, Allstate and Farmers, who employ agents additionally provide the ability to buy direct online, and that is helpful and can also potentially find you lower rates.

If you’re uncomfortable with having to choose coverages yourself when buying car insurance direct, that is normal but is not a big issue. Auto insurance companies that require consumers to choose their own coverages provide access to licensed agents for customer questions. You can also use online help and live chat to help you answer questions.

Is it cheaper to buy online? Many people think so, but it’s hard to say for sure since there are so many components that influence how your policy is priced. It’s logical to say that buying direct lowers rates due to not having any agent compensation. But truthfully, advertising and marketing take a lot of money and this tends to eat up any savings.

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Quote more, save more

Lower-priced car insurance can be purchased on the web and with local Kittery insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where consumers will sacrifice collision coverage only to regret that the savings was not a smart move. Your aim should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.

Additional car insurance information can be found on the website for the Maine Bureau of Insurance located here. Maine drivers can read enforcement actions against agents and companies, view agent and company licensing information, and view a list of available companies.