Tips to Finding the Best Car Insurance Agent in Lowell, MA

Comparing car insurance rates in Lowell can be a lot of work since finding the best Massachusetts insurance agent is harder than just using the same insurance agency as your neighbor. For the sake of this article, we’ll assume you’re looking for a professional agent, but you also need the best rates possible.

With companies like State Farm, Allstate and many independent agents all competing for your business, it’s hard to tell which will provide the lowest rates and best service. Fortunately, you can use online price quotes to build a list of agents to choose from.

Online price comparisons from Lowell agents

Licensed agents can point out coverage gaps and help file insurance claims. The best thing about comparing rates online is that you can obtain the lowest rates and still have an agent to talk to. And supporting local insurance agencies is important particularly in Lowell.

To help locate an agent, after submitting this short form, the coverage information is sent to insurance agents in Lowell who will compete to get your business. There is no need to visit any agencies since price quotes are sent to your email. It doesn’t get any easier!

Shown below is a list of insurance agents in Lowell who can help you get price quotes.

Ciocca Insurance – 338 Market St, Lowell, MA 01852 – (978) 937-3707
Francis E Provencher Insurance – 530 Rogers St, Lowell, MA 01852 – (978) 459-8681

Picking an insurance agent shouldn’t rely on just the price. Any agent should be forthright in answering these questions:

  • Which members of your family are coverage by the policy?
  • What is the agency’s Better Business Bureau rating?
  • Can they give you a list of client referrals?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Do they carry Errors and Omissions coverage?
  • Is working in the agency their full-time job?
  • Do they specialize in personal lines coverage?
  • Will your rates increase after a single accident?

After getting positive responses and locked in a price quote, you’ve probably found a car insurance agent that can provide car insurance coverage.

Situations that might require an agent

When it comes to buying proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • What vehicles should carry emergency assistance coverage?
  • What is the difference between comprehensive and collision coverage?
  • When should I not file a claim?
  • How much underlying liability do I need for an umbrella policy?
  • Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent.

Online companies can help you save

Licensed agents are a valuable resource, but you also have the option of buying Massachusetts car insurance from online companies direct. Certain auto insurance companies that sell primarily through agents additionally provide the ability to get quotes and purchase online, so that should be considered if you prefer to buy online.

If you’re apprehensive about not receiving proper advice when buying car insurance direct, this is normal but is quickly overcome. Insurance companies provide options for customer questions.

Are online premiums lower? That question is hard to answer since companies use quite a few components which can adversely affect your policy premium. It’s logical to say that buying directly from the company prevents the agent from taking a cut. For most online online companies, however, getting their brand in front of customers is expensive so there may not be significant savings.

If you just want to find lower premiums, the most effective way to determine if prices are better online or from an agent is comparing prices for both of them. Even though it sounds odd, people frequently get different pricing from the SAME company from their online quote form as compared to an agent. You won’t know where you can get the lowest rates unless free rate quotes are compared utilizing both methods.

One last thing

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice collision coverage only to regret that it was a big error on their part. Your strategy should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Insureds switch companies for a number of reasons such as questionable increases in premium, unfair underwriting practices, extreme rates for teen drivers and policy non-renewal. Whatever your reason, finding the right car insurance provider can be easy and end up saving you some money.

Lowell insurance company

For more Massachusetts car insurance information

Additional car insurance information can be read on the website for the Massachusetts Division of Insurance located here. Consumers can discover disciplinary actions, read consumer alerts, read enforcement actions against agents and companies, and find disaster information.

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