Quick Guide to Finding a New Haven, CT Insurance Agent

Comparing car insurance companies in New Haven, CT can be challenging because choosing the right New Haven car insurance agent is not as easy as just picking up the phone. You require a professional licensed agent, and also want to find competitive car insurance rates.

You have so many car insurance agents to insure vehicles with, and though it is a good thing to have a choice, it can be more challenging to compare rates and cut insurance costs.

Quote online but still have a local agent

Good agents can point out coverage gaps and give you peace of mind. One of the best bonuses of getting online price quotes is you may find the lowest rates but still work with a licensed agent.

To help locate an agent, after submitting this simple form, the coverage information is sent to local insurance agents in New Haven who will give you bids for your insurance coverage. You never need to leave your house as quotes are delivered straight to your inbox. How cool is that?! You’ll get the best rates without the usual hassles of price shopping.

Selecting an insurance agency should depend on more than just the premium amount. These questions are important to ask:

  • Can they give you a list of client referrals?
  • Does the agency provide any after hours assistance?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • What insurance companies do they recommend if they are an independent agent?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

Captive and independent New Haven insurance agencies

If you’re trying to find local New Haven agents, there are two different agency structures from which to choose. Agencies in New Haven can either be captive or independent (non-captive).

Captive Insurance Agents

This type of agents can only place business with one company and some examples include Allstate, State Farm and Farmers Insurance. They usually cannot place coverage with different providers so they have to upsell other benefits. These agents are trained well on their company’s products which helps them sell insurance even at higher premiums.

The following is a list of captive insurance agents in New Haven who can help you get rate quotes.

State Farm Insurance – 565 Washington Ave # 6 – New Haven, CT 06519 – (203) 239-8099

Independent Agents (or Brokers)

These agents are not required to write business for one company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies and that require little work on your part. When shopping rates, it’s recommended you include multiple independent agents for the best price selection.

Below is a short list of independent insurance agencies in New Haven willing to provide price quotes.

M H Chodos Insurance – 38 Trumbull St – New Haven, CT 06510 – (203) 777-7797
Action Auto Insurance – 1316 Whalley Ave – New Haven, CT 06515 – (203) 389-0512
Vidro’s Agency – 103 Grand Ave # 1 – New Haven, CT 06513 – (203) 562-4888
Stark Agency Inc – – New Haven, CT 06511 – (203) 776-9887
Brenner Agency – 1412 Whalley Ave – New Haven, CT 06515 – (203) 389-2156

For a complete listing of New Haven insurance agents, please view this page.

Upon getting answers to your satisfaction to these questions in addition to an acceptable price estimate, you’ve probably found an insurance agent that is a good match to insure your vehicles.

Does buying direct online get me lower rates?

Insurance agencies are a valuable resource, but you also have the option of buying Connecticut car insurance direct from companies online. Some specific companies like State Farm and Allstate that sell primarily through agents also allow consumers to buy a policy online, so this should also be taken into consideration.

If you’re apprehensive about not getting advice from an agent when buying car insurance direct, that is normal but is not a big issue. All companies provide phone numbers and online resources for getting advice on proper coverages. You may also access online help and live chat so you can feel comfortable buying online.

Do people save by buying online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because there are many factors that can increase policy rates. It’s a common assumption that buying directly from the company saves the cost of an agent commission. For most companies selling online, however, advertising and marketing take a lot of money and that can quickly cost more than paying an agent.

New Haven insurance agencies

Even more information can be found at the Connecticut Insurance Department website. Visitors are able to read industry bulletins, discover disciplinary actions, and learn about specific coverages.

Quote more, save more

When buying insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at the best price.

Budget-conscious car insurance can be sourced on the web and with local New Haven insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not offer online quoting and most of the time these smaller companies sell through independent agents.