Are you a victim of an underperforming, overpriced auto insurance policy? Believe me when I say there are many people just like you. Many insurance companies compete for your insurance dollar, so it’s not easy to compare every provider and uncover the absolute best price available.
Car insurance is not cheap, buy you may qualify for discounts to help offset the cost. Most are applied when you complete an application, but a few need to be manually applied before being credited. If you aren’t receiving every discount available, you’re just leaving money on the table.
Consumers should know that many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will cut the cost of coverage.
To choose insurers with discount auto insurance rates in Stamford, follow this link.
Reducing your insurance rates is surprisingly easy. All that’s required is to spend a little time to compare quotes from different insurance companies. It is quite easy and can be accomplished using a couple different methods.
The single most time-saving way to find low rates would be an industry-wide quote request form like this one (opens in new window). This method prevents you from having to do multiple quote forms for every auto insurance company. In just a few minutes this one form will get you rate comparisons from many national carriers.
A less efficient way to compare rate quotes requires a visit to each individual company website and fill out their own quote form. For examples sake, let’s say you want rates from State Farm, Liberty Mutual and Travelers. To get each rate you have to go to every website to enter your coverage information, which is why most consumers use the first method. To view a list of companies in Stamford, click here.
The least recommended way of comparing rate quotes is to waste gas driving to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you require the personal advice of a local Stamford agent. However, consumers can obtain prices from the web but still have the advice of a local agent and we’ll touch on that later.
It’s up to you which method you use, but compare identical coverage information on every quote you get. If you enter different values for each quote it will be very difficult to make a fair comparison in Stamford.
Smart consumers have a good feel for the factors that play a part in calculating the price you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that could result in big savings.
When buying coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can aid in determining whether you will benefit from professional help.
If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.
A small number of people prefer to talk to a local agent and that is just fine! Insurance agents can help determine the best coverages and give you peace of mind. One of the best bonuses of price shopping on the web is the fact that you can find the best rates and still choose a local agent. Buying from local businesses is important particularly in Stamford.
Upon completion of this quick form, your coverage information is immediately sent to companies in Stamford who will compete for your business. There is no need to drive around as quotes are delivered immediately to your email address. It doesn’t get any easier!
When researching a reputable insurance agent or broker, you must know there are a couple types of agencies that you can select. Stamford agents are either captive or independent. Both do a good job, but it’s good to learn the differences since it can impact buying decisions.
Independent insurance agents do not work for one specific company so they can insure your vehicles with lots of companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part.
When shopping rates, it’s recommended you contact multiple independent agents to get the best comparison.
The following are independent insurance agencies in Stamford willing to provide competitive price quotes.
Raiteri Agency – 800 Summer St # 412 – Stamford, CT 06901 – (203) 324-5114
Diaz Insurance Inc – 1372 Summer St # 3 – Stamford, CT 06905 – (203) 866-1133
Putnam Agency – 2015 W Main St – Stamford, CT 06902 – (203) 967-1550
Edouard Insurance Inc – 87 Glenbrook Rd – Stamford, CT 06902 – (203) 324-3770
Beckerman Agency Inc – 50 Glenbrook Rd # 6j – Stamford, CT 06902 – (203) 316-0434
These agents can only write with one company like State Farm, AAA, Farmers Insurance or Allstate. They generally cannot shop your coverage around so it’s a take it or leave it situation. They are trained well on their company’s products which helps them sell insurance even at higher premiums.
Below are captive insurance agencies in Stamford that are able to give price quote information.
Allstate Insurance – 1122 E Main St # 2 – Stamford, CT 06902 – (203) 356-8980
State Farm Insurance – 231 Hope St – Stamford, CT 06906 – (203) 323-6300
Liberty Mutual Insurance – 456 Glenbrook Rd – Stamford, CT 06906 – (203) 327-9400
For a full directory of auto insurance agents in Stamford, view this link.
Selecting a car insurance agent requires more thought than just a low price. These questions are important to ask:
After getting positive responses for all questions you ask and an acceptable price quote, it’s possible that you found an insurance agency that is a good match to adequately provide auto insurance.
Budget-conscious auto insurance can be purchased on the web as well as from independent agents in Stamford, so you should be comparing quotes from both to have the best selection. There are still a few companies who don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
You just read a lot of information how to get a better price on auto insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising. They may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.
Additional information can be found on the website for the Connecticut Insurance Department located here. Visitors are able to file complaints about an insurance agent or broker, download brochures, and view agent and company licensing information.