Woodbridge, CT Car Insurance For Less Than You’re Paying Now

No normal person looks forward to paying for car insurance, especially when they are aware that they could lower their rates if they shopped around. Insurance companies such as Progressive, Geico and Farmers Insurance constantly blast consumers with advertising and it can be hard to ignore the propoganda and effectively compare rates to find the best deal.

If you have insurance now or need new coverage, you can learn to find the best rates and possibly find even better coverage. Finding the best rates in Woodbridge is not rocket science. Connecticut drivers only need to know the proper methods to compare company rates over the internet.

Buy Woodbridge car insurance online

Comparing car insurance rates can take time and effort if you don’t utilize the most efficient way. You could waste time talking about coverages with local insurance agents in Woodbridge, or you can utilize online quotes for quick rates.

Many of the larger companies are enrolled in a marketplace that allows shoppers to complete one form, and each participating company returns a competitive quote based on that information. This eliminates the need for quote requests for each company.

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The only downside to pricing coverage this way is you are unable to specify which companies to get pricing from. If you would rather choose specific insurance companies to receive pricing from, we have a page of companies who write car insurance in Connecticut. Click to view list.

Which method you use is up to you, but ensure you’re using equivalent coverage information on every quote. If you have differing limits you will not be able to make a fair comparison in Woodbridge.

You may require the services of an agent

Many drivers just want to get professional advice from a licensed agent and that is not a bad decision Professional insurance agents can make sure you are properly covered and help in the event of a claim. A nice benefit of comparing rate quotes online is the fact that you can find the best rates and still have an agent to talk to. Buying insurance from neighborhood agents is especially important in Woodbridge.

Once you complete this short form, your information is instantly submitted to local insurance agents who will return price quotes for your insurance coverage. You don’t have to find an agent on your own since rate quotes are delivered to the email address you provide. In the event you want to get a rate quote for a specific company, you just need to visit that company’s website and fill out their quote form.

Insurance agent types

When finding local Woodbridge agents, there are a couple of different types of agents and how they are distinctly different. Car insurance agents are considered either captive or independent agents depending on their company appointments. Both types can do a good job, but it’s worth learning the difference in the companies they write for because it can influence your selection of an agent.

Independent Car Insurance Agents (or Brokers)

Agents that choose to be independent are appointed with more than one company so they can insure your vehicles with any number of different companies and potentially find a lower price. If your agent finds better pricing, your agent can just switch to a different company and you don’t have to switch agencies.

When comparison shopping, it’s recommended you include rate quotes from independent agents for maximum quote selection.

Featured below is a short list of independent agents in Woodbridge who may be able to give you price quote information.

Orlando Jackson Insurance – 15 June St – Woodbridge, CT 06525 – (203) 387-1716
J P Svendsen Agency – 27 Lucy St – Woodbridge, CT 06525 – (203) 397-3993
Sardilli Insurance – 26 Selden St # A – Woodbridge, CT 06525 – (203) 389-4890

Captive Insurance Agencies

Captive insurance agents write business for a single company such as Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to place coverage with different providers so they are skilled at selling on more than just price. They are trained well on their products and sales techniques which can be an advantage.

Selecting a auto insurance agent should include more criteria than just a cheap price quote. You should also get answers to these questions.

  • Are there any discounts for paying up front?
  • If your car is totalled, how to they determine the replacement cost?
  • How long have they worked with personal auto insurance coverage?
  • Where would your vehicle be repaired?
  • Has the agent ever had any license suspensions?
  • Do the agents have professional certifications like CPCU or CIC?
  • If independent agents, which companies do they recommend?

Informative consumer insurance sites

More information is located on the through this link. Connecticut drivers can download brochures, view agent and company licensing information, find out industry alerts, and find disaster information.