Easy Guide to Searching Online for a Quincy Insurance Agent

When trying to find a good Quincy agent, you can always start your search online to save yourself time. Consumers require an excellent agent, and also the lowest rates for car insurance in Quincy.

Many car insurance agents compete to insure your vehicles, so it can be very hard to choose a auto insurance agent and get the definite lowest price

Compare online but buy from a local Quincy agent

Professional agents can point out coverage gaps and help file insurance claims. The best thing about getting online price quotes is you may find the best rates and still choose a local agent.

Upon completion of this quick form, your information is transmitted to companies in Quincy who will give you bids to get your business. There is no reason to drive around because quoted prices will be sent to your email. How cool is that?!

Picking a car insurance agent shouldn’t rely on just the price. Ask your prospective agent these questions:

  • Do they receive special compensation for putting your coverage with one company over another?
  • Are they able to influence company decisions when a claim is filed?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Does the agency have a good rating with the Better Business Bureau?
  • Do the coverages you’re quoting properly cover your vehicle?

Captive or Independent: There is a difference

When finding a good Quincy insurance agent, there are two different agency structures that you can select. Quincy agents are classified as either independent (non-captive) or captive. Both do a good job, but it’s worth learning the differences because it can impact buying decisions.

Captive Insurance Agents

Captive agencies can only write with one company and examples are Liberty Mutual, Allstate, Farmers Insurance or State Farm. Captives cannot place coverage with different providers so it’s a take it or leave it situation. Captive agencies receive extensive training in insurance sales which helps them compete with independent agents. Some people will only buy insurance from these agents mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Below is a short list of captive agents in Quincy that are able to give rate quotes.

  • Allstate Insurance – 4 Batterymarch Park – Quincy, MA 02169 – (617) 328-3905
Independent Insurance Agents

Independent insurance agents are not locked into one company but instead can place your coverage amongst many companies and possibly get better coverage at lower prices. 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 contact at a minimum one independent agency for maximum quote selection. Most have the option of insuring with smaller companies which can save you money.

Shown below is a short list of independent agents in Quincy who can help you get rate quotes.

  • Nepo B Amo Insurance – 420 Hancock St – Quincy, MA 02171 – (617) 472-4581
  • Cullen and Townsend Insurance – 1245 Hancock St # 34 – Quincy, MA 02169 – (617) 770-3455
  • Adams Agency Inc – 1212 Hancock St – Quincy, MA 02169 – (617) 376-9935

To view a full list of insurance agents in Quincy, view this link.

Once you have positive responses for all questions you ask and locked in a price quote, chances are good that you have found a car insurance agent that will service your policy.

Can I save by cutting out the agent?

Auto insurance agents are important to many people, but Massachusetts drivers can also buy from online companies direct. Certain companies, such as Farmers Insurance and State Farm, who sell through agents in Quincy also give you the ability to buy direct online, and online price comparisons are easy.

If you’re worried about not having an insurance agent’s advice, this really isn’t an issue. Companies that allow you to purchase coverage provide customer service you can use to get advice on coverages. Consumers also can use online help and live chat so you can feel comfortable buying online.

Is car insurance cheaper online? It’s difficult to say for sure because there are a lot of things that impact your final bill. It’s a logical assumption that a shopper who purchases direct reduces premiums because there is no agent. But truthfully, it’s expensive to advertise and those expenses can offset most of the savings by selling direct.

Shop smart and save

Cheap car insurance is definitely available from both online companies in addition to many Quincy insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers do not provide online price quotes and these small insurance companies work with independent agents.

Drivers who switch companies do it for a number of reasons such as extreme rates for teen drivers, denial of a claim, delays in responding to claim requests or even lack of trust in their agent. Whatever your reason, finding the right car insurance provider can be pretty painless.

To learn even more about car insurance

Even more information is available at the Massachusetts Division of Insurance website. Massachusetts drivers can read industry bulletins, discover disciplinary actions, report car insurance fraud, and find disaster information.

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