Five Minute Guide to Searching Online for a Yonkers Insurance Agency

When buying car insurance in Yonkers, finding the best New York insurance agent is not as easy as just using the same insurance agency as your neighbor. You need a highly trained agent, but also affordable rates.

Because you have many options, it is very difficult to pick the lowest cost provider.

Quote online but work with a neighborhood agent

Agents can answer important questions and give you someone to call. The biggest benefit of price shopping on the web is you may find the lowest rates but also keep your business local.

Upon completion of this simple form, the quote information is emailed to agents in your area who will return price quotes for your business. There is no need to drive around since price quotes are sent to your email. Now that’s easy! You can find better rates AND an agent nearby.

Choosing an insurance agent shouldn’t rely on just a cheap price. Agents should be asked these questions:

• Are you getting all the discounts the company offers?
• If your car is in the repair shop, do you have coverage for a rental car?
• Do the coverages you’re quoting properly cover your vehicle?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?

Not all insurance agencies are the same

If you’re trying to find local Yonkers agents, you must know there are a couple different types of agents that you can select. Insurance agencies in Yonkers are categorized either captive or independent (non-captive).

Captive Insurance Agents

This type of agents can only write with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to provide prices from multiple companies so they are skilled at selling on more than just price. They receive extensive training on their company’s products and that can be a competitive advantage.

Below are Yonkers captive agencies that can give you comparison quotes.

State Farm Insurance – 35 E Grassy Sprain Rd # 100 – Yonkers, NY 10710 – (914) 961-5774
American Family Travel – 676 Saw Mill River Rd – Yonkers, NY 10710 – (914) 375-1700
Allstate Insurance Co – 2124 Central Park Ave # 2 – Yonkers, NY 10710 – (914) 961-8844

Independent Agencies or Brokers

Independent insurance agents are not required to write business for one company so they have the ability to put coverage with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent. When comparison shopping, it’s a good idea to get quotes from multiple independent agents to get the best comparison.

Listed below are independent insurance agents in Yonkers that are able to give price quote information.

KHM Benefits Agency – 271 Palmer Rd – Yonkers, NY 10701 – (914) 375-4105
Rosato Insurance – 321 Mclean Ave – Yonkers, NY 10705 – (914) 968-6932
DCAP Insurance – 6 Mall Walk # K-A – Yonkers, NY 10704 – (914) 968-7101
A and E Ledesma Agency – 641 Yonkers Ave – Yonkers, NY 10704 – (914) 423-3100
Pupilo Agency – 206 S Broadway – Yonkers, NY 10705 – (914) 476-2202

To view a full list of car insurance agents in Yonkers, visit this site.

After receiving positive responses to these questions and a good coverage price, chances are good that you have found an auto insurance agent that will properly service your car insurance policy.

But what about online car insurance?

Local insurance agents are a valuable resource, but you also have the option of buying direct online. Even companies like Allstate and State Farm who sell through agents in Yonkers also let you buy a policy online, and that can save time as an alternative to contacting agents.

If you’re concerned about not having an agent to talk to, this really isn’t an issue. Insurance companies that allow you to purchase coverage have toll-free phone numbers and other options for getting the best coverage.

Can you find lower rates online? That question is hard to answer because of the fact that insurance companies use many factors that impact your rate calculation. It’s a logical assumption that buying online saves money by not requiring a commission. In many cases, advertising budgets are huge so the rates may be similar to buying from an agent.

Additional consumer information websites

Additional detailed information is available at the New York Department of Financial Services website. New York consumers can find out which companies have the most complaints, find a variety of consumer forms, and read consumer alerts.

Other informative sites include this page for car insurance in New York and this page of insurance agents in Yonkers.

One last thing about your coverage

People switch companies for many reasons like delays in paying claims, policy cancellation, high prices or even delays in responding to claim requests. No matter why you want to switch, finding the right car insurance provider is actually quite simple.

The cheapest car insurance is available online and also from your neighborhood Yonkers agents, so you should compare both to have the best selection. Some companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.