How to Compare Car Insurance Rates From Syracuse New York Insurance Agents

When trying to find an insurance agent in Syracuse, New York, it’s recommended you do an initial search by comparing rates online rather than picking up the phone. We’re guessing that not only do you want a professional agent, but you also need the best rates possible.

With companies like Allstate, Farmers, State Farm and many independent agents having local Syracuse offices, it’s difficult to determine which insurance agency will give you the best service and rates. Fortunately, it’s easy to use online quotes to assemble a group of insurance agencies from which to choose.

Online quotes with a local Syracuse insurance agent

Educated insurance agents can answer important questions and give you someone to call. One of the great benefits of comparing rates online is you may find the best rates but also keep your business local. And supporting small agencies is definitely important in Syracuse.

To help locate an agent, after submitting this form (opens in new window), the quote information is emailed to participating agents in Syracuse who will give you bids for your business. You don’t have to leave your computer as quotes are delivered to the email address you provide. It doesn’t get any easier! You can find the lowest rates and work with a local agent.

The difference between Syracuse insurance agents

When finding an insurance agent, you must know there are a couple types of insurance agents to choose from. Insurance agencies in Syracuse are classified as either independent or captive.

Independent Insurance Agents

Independent insurance agents are not employed by any specific company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies. When searching for an agent, it’s recommended you contact at a minimum one independent agency for the best price selection.

Below are Syracuse independent agents who can help you get comparison quotes.

My Agency – 350 N Salina St – Syracuse, NY 13203 – (315) 422-2203
Schopfer Brothers Agency Inc – 3522 James St # 209 – Syracuse, NY 13206 – (315) 463-0259
David B Schultz Agency Inc – 472 S Salina St # 711 – Syracuse, NY 13202 – (315) 474-6419
English-Dawson Insurance – 914 Park Ave # 2 – Syracuse, NY 13204 – (315) 423-9012
Liverpool Associates Insurance – 2036 S Salina St – Syracuse, NY 13205 – (315) 422-1777

Captive Insurance Agents

Captive insurance agents can only write with one company such as State Farm, Allstate and AAA. They usually cannot place coverage with different providers so they have no alternatives for high prices. Captive agents are usually quite knowledgeable on their company’s products which can be an advantage.

Below is a list of captive agencies in Syracuse that are able to give price quote information.

State Farm Insurance – 4922 W Seneca Tpke – Syracuse, NY 13215 – (315) 422-9960
Allstate Insurance Co – 725 Erie Blvd W # 4 – Syracuse, NY 13204 – (315) 446-4663

For a complete listing of captive insurance agents in Syracuse, visit this link.

Selecting an insurance agency shouldn’t rely on just a cheap price. Any agent should have no problem answering these questions:

  • How much will you save each year by using a higher deductible?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Which insurance companies are they affiliated with?
  • Will your rates increase after a single accident?
  • Do they assist clients in filing claims?
  • Does the agency support the community they serve?
  • How long has their agency been in business in Syracuse?

After getting reasonable responses to all your questions and an affordable coverage quote, you have narrowed it down to an auto insurance agent that will properly service your car insurance policy.

Alternatives to buying locally

Local insurance agents serve a purpose, but you also have the option of buying New York car insurance direct online. Certain auto insurance companies like State Farm and Allstate that sell primarily through agents also permit you to buy online, so this should also be taken into consideration and can also potentially find you lower rates.

If you’re worried about whether or not you’ll have guidance when buying car insurance direct, don’t sweat it. Online companies all provide contact methods for getting questions answered.

Is it cheaper to buy online? It’s difficult to provide an answer since companies use quite a few components that impact your rate calculation. Some people think that a consumer who buys direct saves money by not requiring a commission. But the reality is marketing their products costs a lot of money and that can cost more than having to pay agents.

Quote more, save more

Consumers change insurance companies for a variety of reasons including denial of a claim, poor customer service, not issuing a premium refund or lack of trust in their agent. It doesn’t matter why you want to switch finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

Low-cost car insurance can be found both online in addition to many Syracuse insurance agents, and you need to price shop both to have the best selection. Some car insurance companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

To learn more about car insurance in New York

More information is located on the website for the New York Department of Financial Services. Click here for link. Visitors are able to file complaints about an insurance agent or broker, get help finding coverage, and learn about insurance regulations.