When trying to find a good insurance agent in Leominster, Massachusetts, we recommend you start your search by comparing rates online in order to save time. We’re assuming you not only want a great agent that can assess your needs, but also the lowest possible price.
With companies like State Farm, Allstate and Farmers Insurance all competing for your business, it can be hard to know which will provide the best rates, service and coverage. Thankfully, consumers can get online price quotes to get a list of agents to choose from.
Neighborhood insurance agents
Insurance agents are trained to spot inefficiencies and help you file claims. One of the great benefits of comparing rates online is the fact that you can find the lowest rates and still choose a local agent. Buying from local insurance agencies is definitely important in Leominster.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information gets sent to insurance agents in Leominster who will give you bids to get your business. You don’t have to drive around due to the fact that quote results will go to the email address you provide. How cool is that?!
Types of insurance agents
When looking for a local agent, you need to know there are two different agency structures from which to choose. Insurance agencies in Leominster are categorized either captive or independent (non-captive). Both types can do a good job, but it’s worth learning how they differ because it can impact your agent selection.
Independent Insurance Agents
Independent insurance agents are not required to write business for one company but instead can place your coverage with any number of different companies depending on which coverage is best. If your agent finds better pricing, the business is moved internally without you having to go to a different agency. When searching for an agent, it’s recommended you get quotes from at least one independent agent to ensure the widest selection of prices.
Listed below is a list of independent insurance agencies in Leominster that may be able to provide comparison quotes.
A-Affordable Insurance – 80 Erdman Way – Leominster, MA 01453 – (978) 840-8100
Stephen E Baker Insurance – 165 Mechanic St – Leominster, MA 01453 – (978) 537-2940
Captive Insurance Agents
Captive agencies can only place business with one company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are not able to provide prices from multiple companies so always compare other rates. Captives are trained well on their company’s products which helps them sell insurance even at higher premiums.
Deciding on an insurance agent shouldn’t rely on just the bottom line cost. These are valid questions to ask:
- What insurance companies do they work with?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Will your rates increase after a single accident?
- Who are their largest clients?
After receiving positive responses to any questions you have and locked in a price quote, most likely you have located an insurance agent that is a good match to service your policy.
Also consider buying auto insurance direct
Local insurance agents are perfect for certain consumers, but Massachusetts consumers also have the option to buy directly from online companies. Certain companies, such as Farmers Insurance and State Farm, who sell through the agent channel also allow you to buy direct online, and consumers should do that if you prefer to buy online.
If you’re concerned about choosing your own coverages, that should not be a issue. Online companies provide customer service for getting questions answered.
Is car insurance cheaper online? It’s difficult to say for sure because of the fact that insurance companies use many factors that influence your rates. Common logic is that shopping direct saves money by not requiring a commission. But the fact is, it’s expensive to advertise and those expenses can offset most of the savings by selling direct.
For more information
Additional auto insurance information can be read on the website for the Massachusetts Division of Insurance located here. Massachusetts drivers can get help finding coverage, file complaints about a company, and read state legal mandates and laws.
More comparisons equals lower rates
Insureds switch companies for any number of reasons including delays in paying claims, an unsatisfactory settlement offer, delays in responding to claim requests or not issuing a premium refund. It doesn’t matter why you want to switch finding a new company is easier than you think.
Budget-conscious auto insurance is possible on the web as well as from independent agents in Leominster, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies don’t offer online quoting and usually these small, regional companies provide coverage only through local independent agents.