How to Know You’re Paying Too Much for Auto Insurance in Worcester, MA
No one in their right mind cherishes buying auto insurance, particularly when the price is too high.
There are many insurance companies to buy insurance from, and though it is a good thing to have a choice, it can be more challenging to find the lowest rates.
Free Worcester Auto Insurance Quotes
The are a couple different ways to compare rate quotes and find the best price. The best method to find competitive insurance rates is to get quotes online. This can be accomplished in just a few minutes using one of these methods.
The recommended way to get quotes is to use a rate comparison form (click to open form in new window). This easy form eliminates the need for a different quote for every auto insurance company. One simple form will return quotes instantly.
A more difficult way to shop for auto insurance online requires a trip to each individual company website and request a quote. For instance, let’s say you want comparison quotes from State Farm, GEICO and American Family. You would have to take the time to go to each site to enter your coverage information, which is why the first method is more popular.
For a handy list of car insurance company links in Worcester, click here.
The most time-consuming way to get comparison rates is to spend your day driving to and from local Worcester insurance agencies. Shopping for auto insurance online makes this process obsolete unless you want the professional guidance of a licensed agent. You can, however, price shop online and still use a local agent. We’ll cover that shortly.
It’s up to you how you get prices quotes, just compare identical coverages for every company. If the quotes have mixed coverages it will be very difficult to decipher which is the best car insurance price in Worcester. Slightly different coverages can make a big difference in price. It’s important to know that having more price comparisons will increase your chances of finding better pricing.
Quote online but work with a neighborhood agent
Some people would rather sit down with an agent. One of the great benefits of getting online price quotes is you can get lower rates and still choose a local agent.
By using this form (opens in new window), your coverage information is emailed to local insurance agents who will compete to get your business. You never need to even leave your home because quoted prices will be sent straight to your inbox. How’s that for easy! You’ll get the best rates and work with a local agent.
Selecting an insurer requires more thought than just the price. These questions are important to ask:
- Is the agent and/or agency licensed to do business in Massachusetts?
- Do they feel the quoted coverages are adequate?
- How many years of experience in personal lines insurance coverages do they have?
- Do they specialize in personal lines coverage?
- Does the agency have a good rating with the Better Business Bureau?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
Captive agents vs. Independent agents
When finding an insurance agent, there are a couple of types of agencies that differ in how they can insure your vehicles. Worcester agents are categorized either captive or independent (non-captive).
Captive Insurance Agents
This type of agents work for only one company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They generally cannot shop your coverage around so keep that in mind. Captive agencies are well schooled on the products they sell which helps them sell insurance even at higher premiums.
Independent Insurance Agents
Independent agents do not work for one specific company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the business is moved internally and that require little work on your part. When comparison shopping, it’s a good idea to contact several independent insurance agents to have the most options to choose from.
The following is a short list of independent insurance agencies in Worcester who can help you get rate quotes.
Alliance Marketing Agency Inc – – Worcester, MA 01608 – (508) 798-0700
Bullock Agency – 1078 W Boylston St – Worcester, MA 01606 – (508) 854-8100
Richard Boyd Insurance – 20 Park Ave – Worcester, MA 01605 – (508) 529-2452
A C Insurance – 72 Millbury St – Worcester, MA 01610 – (508) 799-9511
Worcester Agency – 440 Lincoln St – Worcester, MA 01653 – (508) 855-6566
To view a full list of insurance agents in Worcester, visit this site.
Once you have answers to your satisfaction for all questions you ask and an affordable coverage quote, you may have just found an auto insurance agent that is a good match to adequately provide auto insurance.
More tips and info about auto insurance is available at the Massachusetts Division of Insurance website. Visitors are able to find disaster information, find a variety of consumer forms, and read industry bulletins.