If you’re looking to buy car insurance, there are a lot of options and selecting the best Newtown car insurance agent for your needs is not as easy as just using the same car insurance agent as your neighbor. It’s highly likely you not only want a decent agent, but you also want to find the best rates possible.
With insurance companies like independent agents, Allstate and State Farm all competing for business in Newtown, it can be hard to know which provider will provide the lowest rates and best service. Thankfully, you can use online price quotes in order to build a list of insurance agents and thier coverage prices.
Comparing rates from local agents
Professional agents can answer important questions and help file insurance claims. One of the best bonuses of comparing insurance prices online is that you can obtain lower rates and still have an agent to talk to. Buying from local insurance agencies is definitely important in Newtown.
To find an agent, once you fill out this simple form, your insurance data is emailed to agents in your area who will return price quotes for your insurance coverage. You won’t need to even leave your home as quotes are delivered immediately to your email address. It doesn’t get any easier! Get lower rates without the usual hassles of price shopping.
Multiple types of insurance agencies in Newtown
When searching for a local agent, there are a couple of different agency structures to choose from. Newtown agents are either captive or independent.
Independent Agents (or Brokers)
Independent insurance agents are not required to write business for one company so they can insure your vehicles with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the business is moved internally and you won’t have to switch agencies.
When comparing rates, we recommend you contact at a minimum one independent agency for the best price selection.
The following are Newtown independent agencies who can help you get comparison quotes.
Newtown Insurance Svc – 316 S Main St – Newtown, CT 06470 – (203) 426-2273
Calander Insurance – 49 Appleblossom Ln – Newtown, CT 06470 – (203) 270-3974
Thomas G Sheehan Agency – 19 Church Hill Rd – Newtown, CT 06470 – (203) 426-6795
Captive agents write business for a single company like State Farm, AAA and Liberty Mutual. These agents are unable to provide prices from multiple companies so keep that in mind. Captive agencies are trained well on their products and sales techniques which helps them compete with independent agents.
Shown below is a list of captive agents in Newtown who can help you get price quote information.
Allstate Insurance – 103 S Main St # 3 – Newtown, CT 06470 – (203) 426-8080
For a full directory of Newtown captive insurance agencies, please view this page.
Choosing an auto insurance agent shouldn’t rely on just a cheap price. These are valid questions to ask:
- Does the company allow you to choose your own collision repair facility?
- Who is covered by the car insurance policy?
- How much will you save each year by using a higher deductible?
- Do they carry Errors and Omissions coverage?
- If your car is in the repair shop, do you have coverage for a rental car?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How long has their agency been in business in Newtown?
Once you have acceptable answers to your questions and an affordable coverage quote, you have narrowed it down to a car insurance agent that meets your needs to provide car insurance coverage.
Include online companies when price shopping
Professional insurance agents can be invaluable at times, but you can also buy Connecticut car insurance direct from companies that only sell online. Some specific companies, such as State Farm, Allstate and Farmers, that are more known for using agents, also permit you to get quotes and purchase online, and online price comparisons are easy to possibly find a better rate.
If you’re uncomfortable with whether or not you’ll have guidance when buying direct, that should not be a issue. Online companies all provide contact methods for getting questions answered.
Are online rates lower? It’s difficult to provide an answer because there are a lot of things that influence the price you pay. It’s a logical assumption that shopping direct saves the commission normally paid to an agent. But in most cases, marketing expenses are significant and this tends to eat up any savings.
More information can be read on the website for the Connecticut Insurance Department found here. Connecticut consumers can read state legal mandates and laws, find out which companies have the most complaints, file complaints about an insurance agent or broker, and learn about insurance regulations.
Summing up your car insurance search
Drivers who switch companies do it for any number of reasons including high rates after DUI convictions, delays in paying claims, policy non-renewal or even delays in responding to claim requests. No matter why you want to switch, switching companies is not as difficult as it may seem.
Cheap car insurance is definitely available on the web in addition to many Newtown insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some car insurance companies do not provide the ability to get a quote online and these smaller companies work with independent agents.