Lower Pricing from Freeport Auto Insurance Providers

If you’re trying to find a licensed insurance agent in Freeport, it’s recommended you start your search by getting online comparison quotes rather than picking up the phone. It’s likely you require not only a good agent that listens to you, but you also need affordable coverage.

With companies like independent agents, Allstate and State Farm having offices in Freeport, it’s hard to tell which one will provide you with the best service and rates. Thankfully, you can use insurance quotes online to get a list of agencies and price estimates.

Local Freeport auto insurance agents

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 lower rates but still work with a licensed agent. And providing support for local businesses is especially important in Freeport.

To help locate an agent, after submitting this short form, the coverage information is immediately sent to local insurance agents who will battle for your business. There is no reason to even leave your home since price quotes are sent to your email. How’s that for easy!

Captive agents vs. Independent agents

When finding an insurance agent, you need to know there are two different types of agents to choose from. Insurance agencies in Freeport are classified as either captive or independent. While both can do a good job, but it’s worth mentioning how they are different since it can impact the selection process.

Independent Agencies or Brokers

Independent agents are not employed by any specific company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency.

When comparison shopping, it’s a good idea to get quotes from multiple independent agents to have the most options to choose from.

Shown below are Freeport independent insurance agencies willing to provide comparison quotes.

White and Re Agency – 113 W Sunrise Hwy # B – Freeport, NY 11520 – (516) 378-5555
Espada Agency – 46 W Merrick Rd – Freeport, NY 11520 – (516) 378-4600
DCAP Insurance – 123 E Sunrise Hwy – Freeport, NY 11520 – (516) 379-1314
Wright Agency – 93 S Main St – Freeport, NY 11520 – (516) 379-6480
Safeco Insurance – 111 Westside Ave – Freeport, NY 11520 – (516) 867-3538

Captive Agents

These agents are contracted to one company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They generally cannot place coverage with different providers so it’s a take it or leave it situation. Captive agents are trained well on their company’s products which helps them compete with independent agents.

Below are captive agencies in Freeport that are able to give comparison quotes.

Allstate Insurance Co – 149 W Merrick Rd – Freeport, NY 11520 – (516) 868-7900

To view a complete directory of auto insurance agents in Freeport, please go to this site.

Deciding on a car insurance agent should depend on more than just the price. Any agent should be forthright in answering these questions:

  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Do they feel the quoted coverages are adequate?
  • What insurance companies do they work with?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • How long have they worked with personal auto insurance coverage?
  • Is working in the agency their full-time job?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

Once you have received positive feedback to all your questions and locked in a price quote, chances are good that you have found an auto insurance agent that will provide auto insurance coverage.

Do online insurance companies cost less?

Professional insurance agents are a valuable resource, but New York car insurance can also be bought direct online. Some specific companies, such as State Farm, Allstate and Farmers, who have local Freeport agents also give you the option to buy a policy online, and consumers should do that if you are the do-it-yourself type.

If you’re worried about choosing your own coverages when buying direct, don’t be too concerned. Auto insurance companies that require consumers to choose their own coverages provide phone numbers and online resources to answer any questions you may have. In addition, they usually offer 24/7 live help and a car insurance FAQ section so you can feel comfortable buying online.

compare Freeport insurance agents

Can you find lower rates online? Whether or not you’ll save is impossible to say since there are many things that influence how your policy is priced. Common logic is that shopping online for auto insurance saves money by not requiring a commission. For most companies selling online, however, marketing expenses are significant so there may not be significant savings.

More New York auto insurance information

Much more information about auto insurance in New York is available on the website for the New York Department of Financial Services located here. Visitors are able to find disaster information, find a variety of consumer forms, find out which companies have the most complaints, and learn about insurance regulations.

A little work can save a LOT of money

The cheapest auto insurance can be bought from both online companies in addition to many Freeport insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some auto insurance companies do not provide the ability to get a quote online and these small, regional companies work with independent agents.

Drivers change insurance companies for many reasons like extreme rates for teen drivers, policy cancellation, high prices or being labeled a high risk driver. It doesn’t matter why you want to switch switching auto insurance companies is pretty easy and you might even save some money in the process.