Lynn Auto Insurance Provider Rates Compared

When pricing auto insurance in Lynn, Massachusetts, there are a lot of options and choosing the right Lynn insurance agency is not as easy as just using the same insurance agency as your neighbor. For this article’s sake, it’s assumed you’re looking for a highly trained agent, but you also want affordable coverage.

With companies like Allstate, Farmers, State Farm and many independent agents all competing for business in Lynn, it’s difficult to determine which car insurance agent will provide the lowest rates and best service. To help decide, consumers can use online price quotes to assemble a group of insurance agents from which to choose.

How to find Lynn insurance agents online

Good agents are trained to spot inefficiencies and help you file claims. One of the great benefits of getting online price quotes is that you can obtain lower rates and still have an agent to talk to. And supporting local businesses is definitely important in Lynn.

By using this quick form, your coverage information gets sent to companies in Lynn who will compete for your coverage. There is no need to leave your computer due to the fact that quote results will go to your email. Now that’s easy!

Captive and independent Lynn insurance agencies

When finding a reliable agent, there are a couple of different types of agents that you can select. Insurance agencies in Lynn are either captive or independent (non-captive). While both can do a good job, but it’s important to know the differences because it can impact the selection process.

Independent Agents

Independent insurance agents are not required to write business for one company so they can insure your vehicles with lots of companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies. When searching for an agent, it’s recommended you get quotes from at least one independent agent for the best price selection.

Listed below are Lynn independent insurance agencies that are able to give comparison quotes.

W L Winston Insurance – 322 Broadway – Lynn, MA 01904 – (781) 592-5530
Del Orndorff Insurance – 627 Boston St – Lynn, MA 01905 – (781) 581-3146

Agency Captives

Captive insurance agents work for only one company such as American Family, Liberty Mutual and AAA. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Captive agents receive extensive training in insurance sales and that can be a competitive advantage.

Deciding on an insurance agency needs to be determined by more than just the bottom line cost. Any agent should have no problem answering these questions:

  • Do they specialize in personal lines coverage?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • If they are an independent agency, which companies do they recommend?
  • Are they properly licensed to sell insurance in Massachusetts?
  • Do they make recommendations based only on price?
  • Do the coverages you’re quoting properly cover your vehicle?

Upon getting reasonable responses as well as a affordable price, you may have just found an insurance agency that is a good match to adequately provide auto insurance.

Isn’t it cheaper to buy direct online?

Local insurance agents are indespensible for some people, but you can also find affordable Massachusetts auto insurance direct from companies that only sell online. Some car insurance companies, such as Farmers Insurance and State Farm, who employ agents also give you the ability to buy online, so keep that in mind if you’re trying to lower your rates.

If you’re uneasy about choosing your own coverages when shopping online, this is a normal reaction for first-time shoppers. Auto insurance companies that allow you to purchase coverage give you access to trained agents to answer your questions.

Can you save money buying online? The answer is complex due to the fact that there are many factors that impact your final bill. It’s logical to say that going direct saves the commission normally paid to an agent. But that assumption is generally incorrect because there are very high advertising costs and this drives up their premium costs.

To find out more about Massachusetts auto insurance

Additional auto insurance information is available on the website for the Massachusetts Division of Insurance through this link. Massachusetts consumers can view agent and company licensing information, find disaster information, read state legal mandates and laws, and report car insurance fraud.

best Lynn Massachusetts insurance agency

The following information may also be useful.

Buy online or local, you save

Cost effective auto insurance is attainable online and also from your neighborhood Lynn agents, and you should be comparing both to have the best selection. Some insurance companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

People leave their current company for a variety of reasons including denial of a claim, delays in paying claims, delays in responding to claim requests and policy cancellation. Regardless of your reason, choosing a new insurance company can be pretty painless.