Get Car Insurance Comparison Quotes From Springfield Massachusetts Agents

When buying car insurance in Springfield, finding the best Massachusetts auto insurance agent is not as easy as just using the same auto insurance agent as your neighbor. The chances are good you want a decent agent, but you also want to find the best rates possible.

With companies like State Farm, Allstate and many independent agents all competing for your business, it’s difficult to determine which will have the lowest rates and best service. To begin, consumers can get online quoting in order to build a list of agents to choose from.

Your personal situation dictates your coverage

When it comes to choosing the best car insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is business property covered if stolen from my car?
  • Does my medical payments coverage pay my health insurance deductible?
  • When would I need additional glass coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my insurance cover a custom paint job?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when driving on a suspended license?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent.

Quote online, buy local

Good agents can answer important questions and help you file claims. One of the great benefits of price shopping on the web is you can get lower rates and still choose a local agent. And supporting local businesses is especially important in Springfield.

Upon completion of this short form, your coverage information is instantly submitted to agents in your area who will battle to get your business. You never need to leave your house due to the fact that quote results will go to your email. It doesn’t get any easier! You can find the lowest rates and an insurance agent to talk to.

Different types of Springfield auto insurance agents

When searching for a good Springfield insurance agent, you need to know there are two types of insurance agents to choose from. Agents can either be captive or independent.

Independent Insurance Agents

Independent agencies are not locked into one company so they can insure your vehicles with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies. When shopping rates, it’s a good idea to include at a minimum one independent agency for the best price selection.

Listed below is a short list of independent insurance agencies in Springfield that may be able to provide rate quotes.

Desnoyers Insurance Inc – 1464 State St – Springfield, MA 01109 – (413) 736-0309
R L and G Agency Inc – 1391 Main St – Springfield, MA 01103 – (413) 739-2066
Group Insurance Management – 146 Chestnut St – Springfield, MA 01103 – (413) 271-7900

Captive Insurance Agents

Captive agents can only write with one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. They are well schooled on their company’s products which helps them sell insurance even at higher premiums.

Picking an insurance agent requires more thought than just the premium amount. Ask your prospective agent these questions:

  • Did they already check your driving record and credit reports?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • What is the agency’s Better Business Bureau rating?
  • Do they assist clients in filing claims?
  • Which members of your family are coverage by the policy?
  • What insurance company do they write the most business with?
  • Is assistance available after office hours?
  • What insurance companies do they recommend if they are an independent agent?

Upon getting reasonable responses for all questions you ask in addition to an acceptable price estimate, it’s possible that you found an auto insurance agent that is a good match to properly service your car insurance policy.

Can you save by buying online?

Local insurance agents serve a purpose, but Massachusetts consumers also have the option to buy direct from companies that only sell online. Even companies that sell primarily through agents also permit you to quote and buy online. This is something to consider if you want to do it yourself.

If you’re apprehensive about whether or not you’ll have guidance, that is quite common when buying online the first time. Auto insurance companies that allow you to purchase coverage have customer service departments to help you decide which coverages are appropriate.

Does car insurance cost less online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because there are so many things that impact your final bill. Some people will tell you that purchasing direct online reduces premiums because there is no agent. For most companies selling online, however, advertising and marketing take a lot of money so rates may not be all that different from traditional agents.

If you’re not set on any one company, the best way to find out where you can get the lowest rate, either online or from agents, is to get rates from both and compare them. You can actually get different rates from insurance agents and online quoting from exactly the same company. It’s not possible to know if the company’s rates are lower online or from an agent without quoting coverages utilizing both methods.

Some additional reading

More information can be read on the website for the Massachusetts Division of Insurance found here. Massachusetts consumers can report car insurance fraud, file complaints about an insurance agent or broker, discover disciplinary actions, and read state legal mandates and laws.

Other related articles:

Springfield car insurance quote

More comparisons equals lower rates

Drivers change insurance companies for many reasons like high rates after DUI convictions, delays in responding to claim requests, high prices and poor customer service. Whatever your reason, finding the right car insurance provider is not as difficult as it may seem.

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. There have been many situations where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. Your strategy should be to find the BEST coverage at a price you can afford while not skimping on critical coverages.