If you’re looking for an insurance agent in Guilford, Connecticut, you can start your search by comparing prices online in order to save time. Chances are you require not only a professional licensed agent, but also great rates as well.
With State Farm, Allstate and Farmers Insurance having local Guilford offices, it’s difficult to determine which will give you the lowest rates and best service. Thankfully, consumers can use online quotes in order to build a list of insurance agencies to choose from.
Buying car insurance locally
Educated insurance agents can point out coverage gaps and help submit paperwork. One of the best bonuses of price shopping on the web is you can get the lowest rates and still choose a local agent. And providing support for local agencies is important especially in Guilford.
Once you complete this form (opens in new window), your information is emailed to companies in Guilford who will battle for your insurance coverage. There is no need to visit any agencies because quoted prices will be sent straight to your inbox. How’s that for easy! You’ll get the best rates and an insurance agent to talk to.
If you want to contact a specific insurance agent in Guilford, visit this link.
Picking an insurance agent needs to be determined by more than just a cheap price. Agents should be asked these questions:
- Who are their largest clients?
- If you are a high risk driver, do they have special markets for your coverage?
- If your car is totalled, how to they determine the replacement cost?
- Is their price quote a firm figure or are their hidden costs?
- Do they have any clout with companies to ensure a fair claim settlement?
- How long has their agency been in business in Guilford?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- What insurance companies do they recommend if they are an independent agent?
Once you have received acceptable answers to your questions as well as a affordable price, chances are good that you have found an insurance agent that meets your needs to properly insure your vehicles.
Can I save by eliminating the insurance agent?
Local insurance agents are important to many people, but you can also buy Connecticut car insurance direct from companies online. Even companies who employ agents also allow you to quote and buy online, so that should be considered if you want to do it yourself.
If you’re uncomfortable with not having professional advice when shopping online, this really isn’t an issue. Insurance companies that allow you to purchase coverage all have toll-free customer service for getting advice on proper coverages. In addition, they usually offer the ability to chat online live with a sales rep and online research so you can feel comfortable buying online.
Is it cheaper to buy car insurance online? Many people swear by it, but it’s difficult to answer since there are so many factors which can adversely affect your policy premium. Common sense would say that purchasing direct online saves money because there is no commission. But the fact is, online and traditional media advertising are expensive and that can cost more than having to pay agents.
Additional information can be read on the Connecticut Insurance Department website located here. Consumers can find out industry alerts, get help finding coverage, and find a variety of consumer forms.
Quote more, save more
Affordable auto insurance can be purchased both online and also from your neighborhood Guilford agents, so you should be comparing quotes from both to have the best selection. Some companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.
When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where an accident victim reduced liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at a price you can afford.