Top Ways to Find a Car Insurance Agent in Hempstead

Comparing auto insurance companies in Hempstead, NY can be challenging because picking a good New York auto insurance agent takes more work than just calling the closest agent. You require a professional licensed agent, and also the best possible price.

You have multiple car insurance agents to purchase coverage from, and though it is a good thing to have a selection, lots of choices makes it harder to find the best rates.

Local Hempstead auto insurance agents

Licensed agents are trained to spot inefficiencies and help submit paperwork. One of the great benefits of getting online price quotes is the fact that you can find the lowest rates and still have an agent to talk to.

By using this simple form, your information is transmitted to local insurance agents in Hempstead who will compete for your business. You won’t need to visit any agencies since price quotes are sent directly to your email. How cool is that?!

Choosing a car insurance agent should depend on more than just a cheap price. Agents should be asked these questions:

  • Do they review policy coverages at every renewal?
  • Can glass repairs be made at your home?
  • What is the agency’s Better Business Bureau rating?
  • Did they already check your driving record and credit reports?
  • Can they provide you with a list of referrals?

Is a captive or independent insurance agent right for you?

When searching for a local agent, you must know there are a couple types of insurance agents from which to choose. Hempstead agents are classified as either captive or independent (non-captive). Both insure your vehicles, but it’s important to know how they differ because it can influence buying decisions.

Captive Insurance Agents

This type of agents can only place business with one company and examples are State Farm, AAA and Liberty Mutual. They are unable to give you multiple price quotes so always compare other rates. Captive agents are very knowledgeable on their company’s products which helps them compete with independent agents. Consumers often choose to use a captive agent mainly due to loyalty to the company and the convenience of having all coverages with one company.

The following are captive agencies in Hempstead that are able to give comparison quotes.

  • Allstate Insurance Co – 40 N Franklin St – Hempstead, NY 11550 – (516) 292-5100
Independent Agents

These agents are not employed by any specific company so they have the ability to put coverage with lots of companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies.

When searching for an agent, we recommend you get quotes from at least one independent agent for maximum quote selection. They also have the ability to place coverage with lesser-known insurance companies which can be an advantage.

The following is a short list of independent insurance agencies in Hempstead that can give you price quotes.

  • Coverage Plus Insurance Brkrg – 369 Peninsula Blvd – Hempstead, NY 11550 – (516) 292-4660
  • MDR Insurance – 174 Westbury Blvd – Hempstead, NY 11550 – (516) 485-4051
  • Priority Agency Inc – 135 Jackson St – Hempstead, NY 11550 – (516) 564-6834
  • Rodriguez Agency and Brokerage – 119 Jackson St – Hempstead, NY 11550 – (516) 486-2788
  • New Age Underwriters Agency – 14 Front St – Hempstead, NY 11550 – (516) 538-0208

For a complete listing of auto insurance agents in Hempstead, visit this site.

After receiving positive feedback for all questions you ask and a good coverage price, chances are good that you have found an auto insurance agent that can provide auto insurance coverage.

Are online companies an option?

Insurance agencies are important to many people, but New York car insurance can also be bought from online companies direct. Some companies who sell through the agent channel additionally provide the ability to get a quote and buy online. This is something to consider to possibly find a better rate.

If you’re uneasy about choosing your own coverages when shopping online, that is normal but is not a big issue. Companies all have toll-free customer service for getting advice on proper coverages. They also offer live help and an extensive research center you can access prior to buying.

When shopping for low rates, the only way to find out if car insurance prices are lower online or from agents is to take the time to compare rates from both. It’s possible to get different rates for the exact same company from their online quote form as compared to an agent.

Is online auto insurance cheaper? The answer to that question is complicated because there are a lot of things which can raise or lower premium rates. Many people think that shopping online for auto insurance reduces premiums because there is no agent. For most companies selling online, however, the cost of constant advertising is expensive so rates may not be all that different from traditional agents.

Do the work, save more money

When buying insurance coverage, do not buy less coverage just to save a little money. In many instances, drivers have reduced liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at the best price, not the least amount of coverage.

People change insurance companies for a variety of reasons including extreme rates for teen drivers, poor customer service, unfair underwriting practices and even policy cancellation. It doesn’t matter what your reason, switching companies is pretty simple and you could end up saving a buck or two.

best New York insurance agency

For more New York auto insurance information

Additional detailed information is located at the New York Department of Financial Services website. Visitors are able to report car insurance fraud, find a variety of consumer forms, view agent and company licensing information, and find out which companies have the most complaints.

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