When trying to find a licensed insurance agent in Greece, you can always begin your search online rather than looking in the yellowpages. Chances are good you’re looking for a friendly agent, but you also want great rates as well.
With companies like Allstate, Farmers, State Farm and many independent agents all competing for business in Greece, consumers have a hard time knowing which one will have the best service and rates. To help decide, it’s easy to use online quoting to build a list of insurance agents and price estimates.
Comparing prices from Greece agents
Insurance agents can point out coverage gaps and help file insurance claims. One of the great benefits of price shopping on the web is you may find the best rates but still work with a licensed agent. Buying from local agencies is definitely important in Greece.
Once you complete this quick form, the coverage information is submitted to insurance agents in Greece who will battle for your coverage. You never need to leave your computer as quotes are delivered to the email address you provide. How cool is that?!
The difference between Greece car insurance agents
When researching a local agent, there are two different types of agents that differ in how they can insure your vehicles. Agencies in Greece can either be captive or independent (non-captive). Either one can do a good job, but it’s important to know how they differ since it can impact buying decisions.
Independent Insurance Agents
Independent agencies are not employed by any specific company so they can insure your vehicles amongst many companies depending on which coverage is best. If you are not satisfied with one company, the business is moved internally without you having to go to a different agency.
When shopping rates, it’s a good idea to include price quotes from at a minimum one independent agency to have the most options to choose from.Many can place coverage with lesser-known insurance companies which can be an advantage.
Shown below are independent insurance agents in Greece who may be able to give you comparison quotes.
- Scarpulla Agency Inc – 1800 English Rd # 6 – Greece, NY 14616 – (585) 225-4073
Captive agents are contracted to one company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Captive agencies receive extensive training in insurance sales which helps them sell insurance even at higher premiums. Some consumers prefer to buy insurance from these agents primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.
Selecting a car insurance agent requires more thought than just the bottom line cost. These are valid questions to ask:
- Is vehicle mileage a factor when determining depreciation for repairs?
- If you have an accident, will your rates go up?
- Are claims handled at the agent’s location?
- Is assistance available after office hours?
- Are there any discounts that you might be missing?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do they feel the quoted coverages are adequate?
- What insurance companies do they work with?
Once you have received positive feedback to these questions and an acceptable price quote, it’s possible that you found an insurance agent that meets your needs to provide auto insurance coverage.
Can I save by eliminating the insurance agent?
Car insurance agents can be invaluable at times, but you also have the option of buying New York car insurance from online companies direct. Some specific companies who have local agents in Greece also let you buy direct online, so keep that in mind if you prefer not to work with an agent.
If you’re concerned about selecting your own policy coverages when buying car insurance direct, don’t be too concerned. All companies provide customer service that you can contact for information. They also make available 24/7 live help and a car insurance FAQ section to make it easier to purchase.
Will buying online save you money? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there are so many components that impact your final bill. It’s often assumed that buying online reduces premiums because there is no agent. For most online online companies, however, it’s expensive to advertise so rates may not be all that different from traditional agents.
Best coverage at the best price
As you prepare to switch companies, you should never buy poor coverage just to save money. In too many instances, someone sacrificed liability coverage limits only to find out that the few dollars in savings costed them thousands. Your aim should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.
Affordable auto insurance can be found on the web and also from your neighborhood Greece agents, so compare prices from both so you have a total pricing picture. There are still a few companies who may not provide online quoting and most of the time these small insurance companies sell through independent agents.
More New York auto insurance information
More information is located on the New York Department of Financial Services website. Click here for link. New York consumers can read consumer alerts, view agent and company licensing information, discover disciplinary actions, and get help finding coverage.