Tightwads Lessons for Saving on Milford Connecticut Auto Insurance
Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, you are not the only one feeling buyer’s remorse. You have so many insurance companies to purchase coverage from, and though it is a good thing to have a choice, too many choices makes it more difficult to find the best rates.
How to Compare Auto Insurance in Milford, CT
Shopping for lower auto insurance rates can be a lot of work if you don’t know the fastest way to get free quotes. You could spend the better part of a day driving to agents in Milford, or you could use the internet to get rates in a matter of minutes.
Most car insurance companies participate in a marketplace where prospective buyers only type in their quote data once, and each participating company then returns a price quote. This prevents consumers from doing quote requests for each company you want a rate for.
To use this form to compare rates click here (opens in new window).
The single downside to getting quotes like this is you are unable to specify the providers to receive prices from. So if you prefer to pick from a list of companies to compare, we have a page of companies who write auto insurance in Connecticut. Click here to view list.
It’s up to you how you get prices quotes, just ensure you are comparing identical coverages and limits with every price quote. If you have higher or lower deductibles it’s not possible to find the best deal in Milford.
But don’t I need an insurance agent?
Certain consumers would prefer to visit with an insurance agent and that is OK! Agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of getting online price quotes is the fact that you can find the lowest rates and still choose a local agent. And providing support for local agencies is especially important in Milford.
Upon completion of this quick form, your coverage information is emailed to agents in your area who will compete for your coverage. You won’t need to drive around because quoted prices will be sent directly to your email. How cool is that?!
Multiple types of car insurance agents in Milford
When searching for a reliable agent, there are two types of agencies to choose from. Milford agents can either be captive or independent (non-captive). Both types can properly insure your vehicles, but it’s good to learn the difference between them since it may influence the selection process.
Independent Agents
Independent agents are not required to write business for one company but rather can write business amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency.
When comparing rates, it’s a good idea to get quotes from several independent insurance agents for the best price selection.
Below is a short list of independent insurance agents in Milford who can help you get price quote information.
Buzz Howe Agency Inc – 232 Boston Post Rd – Milford, CT 06460 – (203) 876-0085
Williams Agency – 152 Broad St – Milford, CT 06460 – (203) 874-2581
Low Cost Insurance – 530 Boston Post Rd # 2 – Milford, CT 06460 – (203) 877-7334
Aldo Insurance – 601 Boston Post Rd # 2 – Milford, CT 06460 – (203) 877-8779
Don Di Lauro Agency – 1496 Boston Post Rd – Milford, CT 06460 – (203) 877-7901
Captive Agents
Captive insurance agents write business for a single company like American Family, Liberty Mutual and AAA. These agents are unable to shop your coverage around so keep that in mind. These agents are usually quite knowledgeable on their company’s products which can be an advantage.
Listed below are Milford captive insurance agencies that can give you price quotes.
State Farm Insurance – 201 Cherry St # A – Milford, CT 06460 – (203) 874-0676
For a full directory of captive agents in Milford, click here to link.
Picking a car insurance agent needs to be determined by more than just the premium amount. Ask your prospective agent these questions:
- If your car is in the repair shop, do you have coverage for a rental car?
- Do the companies they represent have a solid financial rating?
- How much can you save by raising your physical damage deductibles?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- How often do they review policy coverages?
- Is vehicle mileage a factor when determining depreciation for repairs?
- How long has their agency been open in Milford?
Upon getting answers to your satisfaction to all your questions as well as a affordable price, most likely you have located an insurance agency that can service your policy.
Much more information about auto insurance in Connecticut can be read on the website for the Connecticut Insurance Department. Click here for link. Connecticut consumers can find disaster information, read state legal mandates and laws, and read consumer alerts.
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