Tips to Finding the Perfect Insurance Agency in Elkton

When buying auto insurance in Elkton, you have many choices and finding the best Maryland insurance agent is more difficult than just making a phone call. Consumers need a competent insurance agent, but also need the cheapest rates you can possibly find.

Online insurance companies like State Farm, Allstate, GEICO and Progressive continually hit you with fancy advertisements and consumers find it hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

Online quotes with a local Elkton insurance agent

Agents can point out coverage gaps and help file insurance claims. The best thing about price shopping on the web is that you can obtain the best rates and still choose a local agent.

By using this short form, your insurance coverage information gets sent to companies in Elkton who will compete for your business. There is no reason to visit any agencies due to the fact that quote results will go to the email address you provide. It doesn’t get any easier! You can find better rates and a licensed agent to work with.

Picking an insurance agent needs to be determined by more than just the price. These questions are important to ask:

  • How long has their agency been in business in Elkton?
  • Does the company allow you to choose your own collision repair facility?
  • Does the agency support the community they serve?
  • Is working in the agency their full-time job?
  • Can they give you a list of client referrals?
  • Which members of your family are coverage by the policy?
  • How much can you save by raising your physical damage deductibles?
  • How often do they review policy coverages?

Not all insurance agencies are the same

When researching local Elkton agents, there are two types of agencies to choose from. Elkton agents are categorized either independent (non-captive) or captive.

Captive Insurance Agents

Captive agents have only one company to place business with and examples are American Family, State Farm and Allstate. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. They are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from captives partially due to the prominence of the brand and strong financial ratings.

Listed below is a list of captive insurance agencies in Elkton willing to provide price quotes.

  • State Farm Insurance – 827 W Pulaski Hwy – Elkton, MD 21921 – (410) 398-1760
Independent Insurance Agents

Independent agencies are not locked into one company so they have the ability to put coverage with many different companies depending on which coverage is best. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part. When comparing rates, it’s recommended you include several independent insurance agents for maximum quote selection. Many write coverage with smaller regional carriers which can be an advantage.

Below is a short list of independent agencies in Elkton who can help you get rate quotes.

  • Saponaro Insurance – 216 E Pulaski Hwy – Elkton, MD 21921 – (410) 398-9475
  • Pinder Insurance – 698 W Pulaski Hwy – Elkton, MD 21921 – (410) 398-2127
  • Garvice C Sligh Agency Inc – 212 W Main St – Elkton, MD 21921 – (410) 398-1884
  • Winstead Agency – 404 W Pulaski Hwy – Elkton, MD 21921 – (410) 398-6700

For a full directory of licensed insurance agents in Elkton, visit this link.

After receiving satisfactory answers to any questions you have and a good coverage price, chances are good that you have found an insurance agency that will properly service your auto insurance policy.

Online companies should be in the mix

Insurance agents are important to many people, but you also have the option of buying direct over the internet. Certain companies, such as State Farm, Allstate and Farmers, who employ agents additionally provide the ability to buy direct online, so this should also be taken into consideration.

If you’re uncomfortable with not having an insurance agent’s advice when buying car insurance direct, this really isn’t an issue. Online car insurance companies provide phone numbers and online resources for answering any questions you have.

When shopping for low rates, the only way to find out if the cheapest policy comes from an agent or online is to get price quotes for both. You may actually get a different price comparing agents to online prices from the SAME company. But you won’t know where you can get the lowest rates without quoting coverages utilizing both methods.

Can you save money buying online? Many people think so, but it’s hard to say for sure since there are many things that determine the price you pay. Some people think that shopping online for auto insurance reduces premiums because there is no agent. But in reality, it’s expensive to advertise and that can cost more than having to pay agents.

More detailed Maryland auto insurance information is available at the Maryland Insurance Administration website. Consumers can learn about insurance regulations, file complaints about a company, view agent and company licensing information, and view a list of available companies.

The articles below may also help you learn more about auto insurance in Elkton

Maryland car insurance agent

And the best car insurance company is…

Consumers switch companies for a number of reasons such as high rates after DUI convictions, questionable increases in premium, delays in responding to claim requests and even policy cancellation. Whatever your reason, switching companies is actually quite simple.

When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at an affordable rate.