To locate a good Standish agent, you can always start your search by comparing prices online in order to save time. Most likely that not only do you want a good professional insurance agent, but you also need the best rates possible.
With companies like State Farm, Allstate and Farmers Insurance having local Standish offices, it can be hard to know which provider will give you the best service and rates. To begin, you can use online quotes to build a list of insurance agencies and thier coverage prices.
Local Standish agents and auto insurance
Licensed agents can point out coverage gaps and give you someone to call. The biggest benefit of getting online price quotes is you may find the lowest rates but also keep your business local. And providing support for local businesses is definitely important in Standish.
Once you complete this form (opens in new window), the quote information is immediately sent to participating agents in Standish who will give you bids for your business. You don’t have to leave your computer due to the fact that quote results will go directly to your email. How’s that for easy! It’s the lowest rates without the usual hassles of price shopping.
Types of auto insurance agents in Standish
When finding local Standish agents, there are a couple of different types of agents that differ in how they can insure your vehicles. Insurance agencies in Standish are either independent or captive.
Independent Agents (or Brokers)
Independent agencies are not required to write business for one company but instead can place your coverage with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency.
When comparison shopping, it’s recommended you get quotes from multiple independent agents to ensure the widest selection of prices.
Below are independent insurance agencies in Standish that can give you comparison quotes.
Lovejoy Agency – 70 Ossipee Trl – Standish, ME 04084 – (207) 642-2222
Captive Insurance Agents
Captive agents can only write with one company such as Allstate, Farmers Insurance or State Farm. Captives cannot compare other company’s rates so they have no alternatives for high prices. They are well schooled on their company’s products and that can be a competitive advantage.
Below is a short list of captive insurance agencies in Standish willing to provide price quote information.
State Farm Insurance – 140 Ossipee Trl E # B – Standish, ME 04084 – (207) 642-8080
For a complete listing of Standish captive insurance agents, view this link.
Picking an auto insurance agent should depend on more than just a low price. Any agent should have no problem answering these questions:
- Do they assist clients in filing claims?
- If your car is totalled, how to they determine the replacement cost?
- Do they receive special compensation for putting your coverage with one company over another?
- Do the companies they represent have a solid financial rating?
- How much can you save by raising your physical damage deductibles?
- Are you getting all the discounts the company offers?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Upon receiving reasonable responses to these questions in addition to an acceptable price estimate, you may have just found an insurance agency that is a good match to properly service your auto insurance policy.
Isn’t it cheaper to buy from online companies like Geico?
Car insurance agents can be invaluable at times, but Maine car insurance can also be bought direct from companies online. Certain auto insurance companies like State Farm and Allstate that sell primarily through agents also allow you to buy a policy online. This is something to consider if you don’t want to take the time to contact agents.
If you’re apprehensive about not having an insurance agent’s advice when buying car insurance direct, don’t sweat it. Companies provide options for getting advice on proper coverages.
Is it cheaper to buy car insurance online? It’s difficult to provide an answer since there are many things that impact your premium. It’s logical to say that a consumer who buys direct prevents the agent from taking a cut. But truthfully, advertising and marketing take a lot of money and that can quickly cost more than paying an agent.
More sites with auto insurance information
Much more information about auto insurance in Maine can be found on the website for the Maine Bureau of Insurance found here. Visitors are able to read state legal mandates and laws, file complaints about an insurance agent or broker, and get help finding coverage.
These articles may also be worth reading.
- Proven Tricks for Cheap Standish, ME Auto Insurance
- Auto Insurance in Standish, ME 7 Discounts You May be Losing Out On
One last thing about your coverage
Low-cost auto insurance is possible online in addition to many Standish insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. In many cases, an accident victim reduced collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.