Stratford Connecticut Auto Insurance For Less Than You’re Paying Now

Are you overwhelmed by the crazy number of auto insurance company choices in Stratford? You’re not the only one! Drivers have so many choices that it can be a lot of work to find the best price.

If you have a policy now or are looking for a new policy, you can use these techniques to cut your premiums while maintaining coverages. Shopping for affordable coverage in Stratford is easy if you know what you’re doing. Connecticut drivers just need to know the proper methods to compare prices online.

How to Compare Auto Insurance in Stratford

Effectively comparing auto insurance prices can take hours if you don’t understand the most efficient way. You can spend your afternoon talking about coverages with insurance agencies in Stratford, or you could save time and use the web to achieve your goal.

Most of the larger companies participate in an industry program where insurance shoppers enter their coverage request one time, and each company returns a competitive quote based on that data. This prevents consumers from doing quote requests for every auto insurance company. To enter your information into the quoting system, click here to start a free quote.

One minor caviat to comparing rates this way is that consumers can’t choose the companies you want pricing from. So if you want to choose specific insurance companies to compare, we have assembled a list of companies who write auto insurance in Connecticut. Click here for list of insurance companies in Connecticut.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same coverages and limits for every company. If you compare different values for each quote it will be very difficult to make an equal comparison in Stratford.

But I prefer to buy car insurance from an agent

A small number of people would rather buy from a licensed agent and that is a personal choice. Professional agents can answer important questions and help in the event of a claim. The best thing about comparing rates online is that you can obtain the best rates but also keep your business local.

To find an agent, once you fill out this simple form, your insurance coverage information is sent to insurance agents in Stratford who will give you bids for your business. There is no reason to leave your computer since price quotes are sent to the email address you provide. It doesn’t get any easier!

Choosing an provider should depend on more than just the price. Some important questions to ask are:

  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Do the companies they represent have a solid financial rating?
  • Who is covered by the car insurance policy?
  • How are claims handled?
  • Are they able to influence company decisions when a claim is filed?

Stratford insurance agents come in two flavors

When researching local Stratford agents, you need to know there are two types of insurance agents that you can select. Agencies in Stratford are either independent (non-captive) or captive. Both do a good job, but it’s worth learning the difference between them because it can influence the selection process.

Captive Agents

Captive agencies are contracted to one company like American Family, State Farm and Allstate. These agents are not able to compare other company’s rates so they are skilled at selling on more than just price. Captive agents receive extensive training on the products they sell which helps them compete with independent agents. Some people will only purchase coverage from captives partially due to the prominence of the brand and solid financial strength.

Shown below is a list of captive agencies in Stratford who can help you get price quotes.

  • Allstate Insurance – 3589 Main St – Stratford, CT 06614 – (203) 381-0320
  • State Farm Insurance – 305 Boston Ave # 202 – Stratford, CT 06614 – (203) 385-1108
Independent Agents (or Brokers)

Independent agents are not locked into one company so they can insure your vehicles amongst many companies and potentially find a lower price. To transfer your coverage to a different company, your agent can switch companies and you won’t have to switch agencies.

When searching for an agent, we recommend you include at a minimum one independent agency for maximum quote selection. Many write coverage with smaller regional carriers which can be an advantage.

Shown below are independent agencies in Stratford willing to provide comparison quotes.

Stratford Connecticut insurance prices

  • David P Evans Insurance – 1757 Barnum Ave – Stratford, CT 06614 – (203) 377-1784
  • Lydiksen Insurance – 3005 Main St – Stratford, CT 06614 – (203) 377-0871
  • Gabriel Agency – 1516 Barnum Ave – Stratford, CT 06614 – (203) 502-5000
  • Thomas Edward Agency Inc – 1825 Barnum Ave # 301 – Stratford, CT 06614 – (203) 377-0405

For a full directory of licensed insurance agents in Stratford, visit this site.

After receiving good answers to your questions and a low price estimate, most likely you have located an auto insurance agent that can service your policy.

More tips and info about auto insurance can be read at the Connecticut Insurance Department website. Connecticut consumers can learn about insurance regulations, view agent and company licensing information, find disaster information, and read industry bulletins.

Additional helpful sites include this page for auto insurance prices in Connecticut and this page for help finding agents in Stratford, CT.