Are you a victim of high-priced auto insurance? Trust us, there are lots of people in the same boat.
There are many insurers to purchase coverage from, and although it’s a good thing to have a choice, it can be more difficult to find the best rates.
It’s a good idea to check auto insurance prices periodically due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you got the best rates a few years ago there may be better deals available now. You can find a lot of misleading information regarding auto insurance on the web, but I’m going to show you some proven techniques to buy auto insurance cheaper.
Buying car insurance in Stratford is not rocket science. If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Although Connecticut drivers do need to understand how big insurance companies sell online and take advantage of how the system works.
To find the best auto insurance prices, there are several ways to compare rate quotes from different in Stratford, CTinsurance companies. One of the best ways to find the cheapest insurance rates is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.
For a list of links to companies insuring cars in Stratford, click here.
However you get your quotes, double check that you are using identical coverage limits on every quote. If the quotes have unequal deductibles or liability limits then you won’t be able to determine the lowest rate in Stratford. Slightly different coverage limits could mean much higher rates. Keep in mind that quoting more helps locate a better price.
Companies offering auto insurance don’t list all available discounts very clearly, so we researched some of the more common and also the lesser-known discounts you could be receiving.
Keep in mind that most credits do not apply the the whole policy. Most only apply to individual premiums such as comprehensive or collision. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way.
Certain consumers just want to get advice from a local agent and that is just fine! The best thing about getting online price quotes is you can get the best rates and still have an agent to talk to.
For easy comparison, once you complete this short form, your coverage information is emailed to participating agents in Stratford who will give you bids for your insurance coverage. You don’t have to even leave your home due to the fact that quote results will go to your email. How’s that for easy! You can find the lowest rates AND a local agent.
Picking an provider needs to be determined by more than just the premium amount. Ask your prospective agent these questions:
When searching for an insurance agent, there are two types of agencies to choose from. Agencies in Stratford are classified as either captive or independent (non-captive).
Captive agencies are contracted to one company and examples are Allstate, Farmers Insurance, State Farm and AAA. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. Captive agencies are trained well on the products they sell which helps them compete with independent agents.
Listed below are Stratford captive agencies who can help you get rate quotes.
Allstate Insurance – 2505 Main St – Stratford, CT 06615 – (203) 378-0391
State Farm Insurance – 3657 Main St – Stratford, CT 06614 – (203) 377-5167
Independent insurance agents are not locked into one company but rather can write business with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and that require little work on your part.
When searching for an agent, it’s recommended you contact at a minimum one independent agency to get the best comparison.
Listed below is a short list of independent agencies in Stratford that are able to give rate quotes.
Funaro Insurance – 2900 Main St # 1a – Stratford, CT 06614 – (203) 378-2621
Gabriel Agency – 1516 Barnum Ave – Stratford, CT 06614 – (203) 502-5000
Stratford Insurance Group – 937 Stratford Ave # 3 – Stratford, CT 06615 – (203) 377-3601
Thomas Edward Agency Inc – 1825 Barnum Ave # 301 – Stratford, CT 06614 – (203) 377-0405
To view a full list of insurance agents in Stratford, view this link.
Upon receiving positive feedback to these questions and a low price estimate, you may have just found an auto insurance agent that will service your policy.
More detailed Connecticut auto insurance information is located at the Connecticut Insurance Department website. Visitors are able to read state legal mandates and laws, learn about insurance regulations, and find out which companies have the most complaints.
As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped collision coverage only to discover later that it was a big mistake. Your strategy should be to purchase plenty of coverage for the lowest price while still protecting your assets.
Cost effective auto insurance is available from both online companies as well as from independent agents in Stratford, and you should compare price quotes from both to have the best rate selection. Some companies don’t offer online quoting and these regional insurance providers work with independent agents.