Finding good auto insurance in Annapolis can be challenging since there are a lot of options and selecting the best Annapolis car insurance agent for your needs is not as easy as just driving to the closest agent’s office. It’s assumed you’re wanting an excellent agent, but also great rates as well.
With companies like American Family, Allstate, State Farm and independent agents all competing for business in Annapolis, it can be hard to know which provider will have the lowest rates and best service. Thankfully, consumers can use online quoting in order to build a list of insurance agents and thier coverage prices.
Comparing rates from local agents
Good agents can answer important questions and give you someone to call. The best thing about getting online price quotes is the fact that you can find better rates but still work with a licensed agent. And providing support for local agencies is important especially in Annapolis.
To help locate an agent, after submitting this quick form, your coverage information is transmitted to agents in your area who will give you bids for your coverage. You won’t need to drive around as quotes are delivered directly to your email. How cool is that?! You can find the lowest rates without the usual hassles of price shopping.
Compare rates from both independent and captive car insurance agents
When researching an insurance agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Annapolis agents are categorized either independent (non-captive) or captive.
Independent Agencies or Brokers
Independent agencies do not work for one specific company so they can insure your vehicles with lots of companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to find a new agent.
When comparing rates, it’s a good idea to contact several independent insurance agents to have the most options to choose from.Many can place coverage with lesser-known insurance companies which may provide better rates.
Shown below is a short list of independent insurance agents in Annapolis who may be able to give you competitive price quotes.
- Henry M Murray Agency Inc – 2498 Riva Rd – Annapolis, MD 21401 – (410) 224-2664
- Ed Owen Insurance – 108 Old Solomons Island Rd – Annapolis, MD 21401 – (410) 266-5080
- Jack Hutchison Agency – 914 Bay Ridge Rd – Annapolis, MD 21403 – (410) 267-6000
- Ramsey’s Insurance Inc – 2049 West St # 202 – Annapolis, MD 21401 – (410) 266-9363
These agents can only write with one company such as Allstate, Farmers Insurance, State Farm and AAA. They are unable to compare other company’s rates so they are skilled at selling on more than just price. Captives are trained well on their products and sales techniques and that can be a competitive advantage. Consumers frequently purchase coverage from captives mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.
Shown below is a short list of captive insurance agencies in Annapolis willing to provide price quote information.
- Allstate Insurance – 275 West St – Annapolis, MD 21401 – (410) 990-9150
- State Farm Insurance – 1410 Forest Dr – Annapolis, MD 21403 – (301) 858-5438
- Maryland Farm Bureau Inc – 68 State Cir – Annapolis, MD 21401 – (410) 269-0656
For a full directory of Annapolis captive insurance agencies, please view this page.
Picking an auto insurance agent needs to be determined by more than just the price. Any agent should have no problem answering these questions:
- If you have an accident, will your rates go up?
- Does the agency support the community they serve?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- What is the agency’s Better Business Bureau rating?
- How are they compensated?
After getting good answers for all questions you ask in addition to an acceptable price estimate, most likely you have located an insurance agency that is a good match to service your policy.
Keep your options open
Professional insurance agents are important, but Maryland drivers can also buy direct online. Certain auto insurance companies, such as State Farm, Allstate and Farmers, who sell through the agent channel also let you get quotes and purchase online, and online price comparisons are easy to possibly find a better rate.
If you’re concerned about not having an agent to talk to when buying car insurance direct, don’t sweat it. Insurance companies that allow you to purchase coverage provide customer service that you can contact for information. They also have live chat and online tools that you can use before buying.
Do online companies provide lower prices? Many people think so, but it’s hard to say for sure since there are so many components that determine the price you pay. Some people think that purchasing direct online saves the commission normally paid to an agent. But truthfully, marketing expenses are significant and this drives up their premium costs.
Online resources for education
More information is available on the Maryland Insurance Administration website found here. Maryland consumers can file complaints about an insurance agent or broker, find a variety of consumer forms, 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 Annapolis
Affordable insurance is out there
Cheap auto insurance is possible from both online companies and with local Annapolis insurance agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who do not offer you the ability to get quotes online and these smaller companies work with independent agents.
When buying insurance coverage, do not buy less coverage just to save a little money. There have been many cases where an insured cut liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at a price you can afford.