Quick Guide to Finding a Bennington Car Insurance Agent

When finding a good insurance agent in Bennington, VT, you can start your research by getting online comparison quotes rather than looking in the yellowpages. You require a good professional insurance agent, and also the lowest rates for car insurance in Bennington.

Many car insurance agents compete for your insurance dollar, so it’s not easy to compare every insurance agent to find the absolute lowest cost out there.

Price shop online but buy from a local Bennington agent

Professional agents can point out coverage gaps and give you peace of mind. One of the great benefits of comparing insurance prices online is the fact that you can find the lowest rates but still work with a licensed agent.

For easy comparison, once you complete this short form, your information gets sent to agents in your area who will give you bids to get your business. There is no reason to leave your house as quotes are delivered to the email address you provide. It doesn’t get any easier! Get lower rates and a licensed agent to work with.

Selecting an insurance agency shouldn’t rely on just a low price. These are valid questions to ask:

  • Can they give you a list of client referrals?
  • Who are their largest clients?
  • If your car is totalled, how to they determine the replacement cost?
  • Can glass repairs be made at your home?
  • Is assistance available after office hours?
  • How long has their agency been open in Bennington?

Two different types of insurance agencies

When looking for a reliable agent, there are two different agency structures to choose from. Bennington agents are categorized either captive or independent.

Captive Insurance Agents

Captive agencies work for only one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They are unable to compare other company’s rates so always compare other rates. Captive agents are trained well on their company’s products and that can be a competitive advantage. Consumers frequently choose to use a captive agent primarily because of loyalty to the company and the convenience of having all coverages with one company.

Independent Agents

Independent agencies are not required to write business for one company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When comparison shopping, you should always include at least one independent agent to have the most options to choose from.Most can insure with smaller companies which may provide better rates.

Listed below is a list of independent agents in Bennington that can give you price quotes.

  • Wills Insurance Inc – 116 South St – Bennington, VT 05201 – (802) 442-5414
  • Raymond P Betit Insurance – 439 Main St # 7 – Bennington, VT 05201 – (802) 442-6501
  • Edwards Agency – 126 North St – Bennington, VT 05201 – (802) 442-4411

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

Once you have received positive feedback to any questions you have as well as a affordable price, it’s possible that you found an insurance agent that can provide car insurance coverage.

The online alternatives

Licensed agents serve a purpose, but Vermont consumers also have the option to buy from companies direct over the internet. Some car insurance companies who employ agents also permit you to buy direct on their websites, and consumers should do that and can also potentially find you lower rates.

If you’re concerned about not getting advice from an agent when shopping online, this is expected but don’t let that bother you. Companies that allow you to purchase coverage provide customer service for getting advice on proper coverages.

Is it cheaper to buy car insurance online? That is a tough question to answer because of the number of factors which can raise or lower premium rates. It’s a logical assumption that a consumer who buys direct cuts out the agent as a middleman. In many cases, advertising and marketing take a lot of money so there may not be significant savings.

Final considerations

Insureds change insurance companies for a number of reasons such as high prices, delays in responding to claim requests, questionable increases in premium or an unsatisfactory settlement offer. Regardless of your reason, finding a new company is not as hard as you think.

Discount car insurance can be bought on the web and also from your neighborhood Bennington agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

quotes for Bennington insurance

Additional detailed information is available at the Vermont Department of Financial Regulation website. Vermont consumers can learn about specific coverages, learn about insurance regulations, and read state legal mandates and laws.

The articles below may also help you learn more about car insurance in Bennington