How-to Guide to Finding an Auto Insurance Agent in Waterbury, CT

When searching for an insurance agent in Waterbury, CT, we recommend you do an initial search by getting online comparison quotes instead of calling around. You require a good agent that listens to you, but also the lowest rates in Waterbury.

Lots of insurance agencies contend for your hard-earned dollar, and it can be difficult to compare rates to find the absolute lowest rate possible.

How to compare Waterbury auto insurance rates

Good agents are trained to spot inefficiencies and help file insurance claims. The best thing about getting online price quotes is you may find the lowest rates but also keep your business local.

For easy comparison, once you complete this short form, the coverage information is sent to participating agents in Waterbury who will give you bids to get your business. You won’t need to drive around since price quotes are sent straight to your inbox. Now that’s easy!

Choosing an insurance agent needs to be determined by more than just the bottom line cost. These are valid questions to ask:

Do they assist clients in filing claims?
How often do they review policy coverages?
How long has their agency been in business in Waterbury?
Does the agency have a good rating with the Better Business Bureau?
Will their companies depreciate repairs to your car based on the mileage?
Can glass repairs be made at your home?

Best insurance agent in Waterbury

When researching a reliable agent, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Insurance agencies in Waterbury are classified as either independent (non-captive) or captive. Both properly insure your vehicles, but it’s important to know the difference between them since it can impact your selection of an agent.

Agency Captives

Captive agents can only place business with one company like State Farm, AAA, Farmers Insurance or Allstate. They generally cannot compare other company’s rates so keep that in mind. Captive agencies receive extensive training in insurance sales and that can be a competitive advantage.

The following is a short list of captive agencies in Waterbury who may provide you with price quotes.

State Farm Insurance – 551 Wolcott St # 2 – Waterbury, CT 06705 – (203) 757-6300
Allstate Insurance – 220 Chase Ave – Waterbury, CT 06704 – (203) 757-9009

Independent Agents

Independent insurance agents are not employed by any specific company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and you won’t have to switch agencies. When comparison shopping, it’s a good idea to contact multiple independent agents for maximum quote selection.

The following is a list of independent agents in Waterbury that can give you price quote information.

Ira J Kaplan Insurance – 331 Meriden Rd – Waterbury, CT 06705 – (203) 753-4340
Clifford Insurance – 1015 Meriden Rd – Waterbury, CT 06705 – (203) 575-9550
O’Brien Russo Quint Agency Inc – 27 Holmes Ave – Waterbury, CT 06710 – (203) 597-9313
Montagno Agency – 344 Robbins St – Waterbury, CT 06708 – (203) 574-5211
Payne Agency Of New England – 473 Piedmont St – Waterbury, CT 06706 – (203) 756-0751

To view a complete directory of auto insurance agents in Waterbury, view this link.

After receiving reasonable responses as well as a affordable price, you’ve probably found an auto insurance agent that meets your needs to adequately provide auto insurance.

Your coverage should be tailored to you

When it comes to choosing coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions can help discover whether your personal situation may require specific advice.

Do I need medical payments coverage since I have good health insurance?
Does my liability insurance cover pulling a trailer or camper?
Should I have combined single limit or split liability limits?
When would I need rental car insurance?
What is the minimum liability in Connecticut?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Can I afford low physical damage deductibles?

If it’s difficult to answer those questions, then you may want to think about talking to an agent.

You have the option to buy direct online

Auto insurance agents are indespensible for some people, but you can also buy Connecticut car insurance from companies direct over the internet. Certain auto insurance companies like Allstate and State Farm who sell through the agent channel also give you the option to buy direct on their websites. This is something to consider if you don’t want to take the time to contact agents.

If you’re apprehensive about selecting your own policy coverages when buying direct, this is a normal reaction for first-time shoppers. Online car insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options that you can contact for information.

Will buying online save you money? Many people think so, but it’s hard to say for sure because there are so many things that can increase policy rates. Many people think that shopping online for auto insurance saves the commission normally paid to an agent. In many cases, marketing expenses are significant and those expenses can offset most of the savings by selling direct.

Compare but don’t skimp

When buying insurance coverage, it’s very important that you do not reduce needed coverages to save money. In many instances, consumers will sacrifice liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find for the lowest price while still protecting your assets.

Cost effective auto insurance can be bought both online and also from your neighborhood Waterbury agents, and you should be comparing both to have the best chance of lowering rates. A few companies may not provide online price quotes and these small insurance companies work with independent agents.

For more reading

More detailed Connecticut auto insurance information is available at the Connecticut Insurance Department website. Consumers can find out which companies have the most complaints, read enforcement actions against agents and companies, and get help finding coverage.