If you’re trying to find a good insurance agent in Keene, NH, you can always start your research by comparing rates online instead of calling around. Consumers need a good agent, but also need the best car insurance prices in Keene.
Companies like Allstate and Progressive persitently shower you with fancy advertisements and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.
How to buy car insurance from an agent in Keene
Educated insurance agents can point out coverage gaps and help in the event of a claim. The best thing about comparing insurance prices online is that you can obtain the lowest rates but also keep your business local.
After completing this quick form, your coverage information is emailed to agents in your area who will give you bids for your business. You won’t need to drive around since price quotes are sent to the email address you provide. How cool is that?!
Picking a car insurance agent should depend on more than just a cheap price. Some important questions to ask are:
- Is assistance available after office hours?
- Which members of your family are coverage by the policy?
- Is vehicle mileage a factor when determining depreciation for repairs?
- How long has their agency been open in Keene?
- If they are an independent agency, which companies do they recommend?
The different types of insurance agents
When searching for local Keene agents, you must know there are a couple types of agencies to choose from. Insurance agencies in Keene can either be captive or independent (non-captive). Either one can insure your vehicles, but it’s worth mentioning the differences because it can influence buying decisions.
Captive Insurance Agents
Captive insurance agents have only one company to place business with and examples are State Farm, Allstate and AAA. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Captive agencies receive extensive training on their products and sales techniques which can be an advantage.
The following are captive insurance agents in Keene who can help you get price quotes.
Allstate Insurance – 403 Winchester St – Keene, NH 03431 – (603) 357-7000
North American Family Inst – 164 Emerald St – Keene, NH 03431 – (603) 357-8355
Independent Agencies or Brokers
These agents are not employed by any specific company so they can insure your vehicles with many different companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent.
When searching for an agent, you should always contact multiple independent agents to get the best comparison.
Shown below are Keene independent agencies that can give you price quotes.
Masiello Insurance – 69 Island St # A1 – Keene, NH 03431 – (603) 352-1810
Western World Insurance Co – – Keene, NH 03431 – (603) 352-2107
Clark-Mortenson Agency Inc – 102 Main St – Keene, NH 03431 – (603) 352-2121
De Steph Agency – 39 Central Sq – Keene, NH 03431 – (603) 358-9596
For a complete listing of Keene insurance agents, visit this site.
Upon receiving reasonable responses to all your questions in addition to an acceptable price estimate, you’ve probably found an insurance agent that meets your needs to service your policy.
Can you buy online and save?
Local insurance agents are important, but you can also buy New Hampshire car insurance directly from online companies. Some companies who have local agents in Keene additionally provide the ability to buy direct online, and consumers should do that if the lowest rate is your goal.
If you’re anxious about not having an insurance agent’s advice, this is expected but don’t let that bother you. Companies provide access to licensed agents to walk you through the process. They also have the ability to chat online live with a sales rep and online research to clarify any questions you may have.
Do customers save by switching to an online company? A lot of shoppers won’t buy anywhere else, but it’s impossible to say due to the large number of individual components that determine your policy premium. It’s often assumed that buying online saves the commission normally paid to an agent. But that assumption is generally incorrect because marketing their products costs a lot of money and those expenses can offset most of the savings by selling direct.
More New Hampshire car insurance information
Even more information can be found at the New Hampshire Insurance Department website. Consumers can get help finding coverage, learn about specific coverages, and read consumer alerts.
Affordable insurance is out there
While you’re price shopping online, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, someone dropped uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at an affordable rate.
Discount car insurance can be purchased from both online companies and also from your neighborhood Keene agents, so you should compare both to have the best rate selection. A few companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.