Learn How to Find the Best Insurance Agent in Berlin

If you’re trying to find a good Berlin agent, we recommend you start your search using online quotes rather than picking up the phone. Consumers need a friendly agent, and also want to find competitive car insurance rates.

Because you have many insurance companies to choose from, it can be impossible to find the lowest price company.

Shop online but buy locally

Agents can answer important questions and help submit paperwork. One of the best bonuses of comparing rates online is you can get the best rates but still work with a licensed agent.

To help locate an agent, after submitting this short form, your coverage information is sent to local insurance agents in Berlin who will give you bids for your business. You don’t have to leave your computer as quotes are delivered to the email address you provide. How’s that for easy!

Picking an insurance agent needs to be determined by more than just the premium amount. Any agent should be forthright in answering these questions:

  • Which insurance companies are they affiliated with?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • How much can you save by raising your physical damage deductibles?
  • Is the agent and/or agency licensed to do business in New Hampshire?
  • Does the agency have a good rating with the Better Business Bureau?
  • Do they make recommendations based only on price?

Pick the best insurance agent in Berlin for you

When searching for a good Berlin insurance agent, there are two different agency structures from which to choose. Insurance agencies in Berlin are classified as either independent or captive. While both can do a good job, but it’s important to know the difference between them because it can influence your selection of an agent.

Captive Agents

These agents are contracted to one company such as Farmers Insurance or State Farm. Captives cannot shop your coverage around so they are skilled at selling on more than just price. They are well schooled on the products they sell which helps them compete with independent agents. Consumers often purchase coverage from captives primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.

Independent Insurance Agents

Independent agencies are not locked into one company so they can insure your vehicles with many different companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part. When comparing rates, it’s recommended you include price quotes from at least one independent agent for maximum quote selection. They often place coverage with smaller companies who may have lower rates.

The following is a list of independent insurance agents in Berlin who can help you get price quotes.

  • Croteau Agency – 324 Main St – Berlin, NH 03570 – (603) 752-2304

For a complete listing of insurance agents in Berlin, please go to this site.

Once you have received satisfactory answers to these questions and a low price estimate, you’ve probably found an insurance agent that will service your policy.

Does buying direct online cost less?

Insurance agents can be invaluable at times, but you also have the option of buying New Hampshire car insurance direct over the internet. Some companies, such as State Farm, Allstate and Farmers, who sell through the agent channel also allow you to buy direct online, so keep that in mind if you prefer not to work with an agent.

If you’re worried about not having someone to ask questions when buying direct, that shouldn’t be an issue. Insurance companies that require consumers to choose their own coverages all have client service departments for getting the best coverage. Consumers also can use the ability to chat online live with a sales rep and online research so buying online is not difficult.

Will you save money buying auto insurance online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there are so many components that influence the price you pay. Common logic is that buying directly from the company lowers rates due to not having any agent compensation. For most online online companies, however, getting their brand in front of customers is expensive and that impacts the rates consumers pay.

Learn more about car insurance in New Hampshire

More tips and info about car insurance is located at the New Hampshire Insurance Department website. New Hampshire drivers can find a variety of consumer forms, view agent and company licensing information, read state legal mandates and laws, and file complaints about a company.

The following articles may also be useful.

More effort can pay off

Cheap car insurance is available both online and also from your neighborhood Berlin agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who may not provide online price quotes and these smaller companies work with independent agents.

Consumers switch companies for any number of reasons including delays in responding to claim requests, policy non-renewal, high prices or even policy cancellation. It doesn’t matter what your reason, switching companies is actually quite simple.