Tips for Researching a Pawtucket Insurance Agent

If you’re trying to find a licensed insurance agent in Pawtucket, you can start your search for an agent online to save yourself time. For the sake of this article, we’ll assume you’re not only searching for a highly trained agent, but you also want to find great rates as well.

With State Farm, Allstate, Farmers and independent agents having offices in Pawtucket, consumers have a hard time knowing which will provide the best service and rates. To begin, consumers can get online price quotes to assemble a group of agencies to choose from.

Car Insurance through a local Pawtucket agent

Agents can point out coverage gaps and give you peace of mind. One of the best bonuses of comparing insurance prices online is the fact that you can find the best rates but still work with a licensed agent. And providing support for small agencies is important especially in Pawtucket.

Upon completion of this form (opens in new window), your insurance coverage information is transmitted to local insurance agents in Pawtucket who will return price quotes for your coverage. You won’t need to leave your house as quotes are delivered to the email address you provide. How cool is that?!

How to choose the best auto insurance agent in Pawtucket

When finding an insurance agent, there are two types of insurance agents to choose from. Pawtucket agents are categorized either captive or independent (non-captive). While both can do a good job, but it’s important to know how they differ because it can influence your agent selection.

Independent Agents

Independent agencies do not work for one specific company so they have the ability to put coverage with many different companies depending on which coverage is best. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. When shopping rates, you should always include price quotes from multiple independent agents to ensure the widest selection of prices.

Below are Pawtucket independent agents that are able to give competitive price quotes.

AHA Insurance Corp – 533 Smithfield Ave – Pawtucket, RI 02860 – (401) 335-3700
Andrews and Lozy Agency – 450 Armistice Blvd – Pawtucket, RI 02861 – (401) 722-4271
Butler and Messier Insurance – 1401 Newport Ave – Pawtucket, RI 02861 – (401) 728-3200
San Bento Agency – 494 Smithfield Ave – Pawtucket, RI 02860 – (401) 723-7210

Captive Agents

These agents work for only one company and examples are Allstate, State Farm and Farmers Insurance. These agents are unable to give you multiple price quotes so they have to upsell other benefits. Captives are well schooled on their company’s products which helps them compete with independent agents.

Shown below are Pawtucket captive agents that are able to give price quotes.

Allstate Insurance Co – 727 East Ave – Pawtucket, RI 02860 – (401) 729-1911

To view a complete directory of captive insurance agents in Pawtucket, please click here.

Selecting an insurance agent shouldn’t rely on just a cheap price. Here are some questions to ask:

  • Do the coverages you’re quoting properly cover your vehicle?
  • What insurance companies do they work with?
  • What insurance company do they write the most business with?
  • Does the agency have a good rating with the Better Business Bureau?
  • Are they properly licensed to sell insurance in Rhode Island?
  • If they are an independent agency, which companies do they recommend?

Once you have received positive responses to any questions you have and a good coverage price, chances are good that you have found a car insurance agent that will provide auto insurance coverage.

Can you buy online and save?

Licensed agents are a valuable resource, but you can also find affordable Rhode Island auto insurance direct from companies online. Some specific companies, such as State Farm, Allstate and Farmers, who have local agents in Pawtucket also permit you to buy a policy online. This is something to consider if you’re trying to lower your rates.

If you’re apprehensive about selecting your own policy coverages when buying car insurance direct, that shouldn’t be an issue. All companies that allow you to purchase coverage have customer service departments that you can contact for information.

Are online companies cheaper? That is a tough question to answer since there are many things which can raise or lower premium rates. Some people think that going direct cuts out the agent as a middleman. But truthfully, there are high advertising and marketing costs so the lack of a commission may be a wash.

Learn more today

Additional information can be read on the website for the Rhode Island Division of Insurance Regulation through this link. Visitors are able to find disaster information, read industry bulletins, download brochures, and report car insurance fraud.

The following information may also be useful.

Quote often and quote early

Cheap auto insurance can be purchased both online and also from your neighborhood Pawtucket agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Consumers change insurance companies for any number of reasons including delays in responding to claim requests, denial of a claim, high rates after DUI convictions or policy cancellation. Regardless of your reason for switching companies, finding a great new company is less work than it seems.