Get Auto Insurance Comparison Quotes From Manchester, NH Agents

If you’re trying to find a good insurance agent in Manchester, New Hampshire, you can do an initial search online instead of making phone calls. For this article’s sake, it’s assumed you want a competent insurance agent, but also great rates as well.

With companies like Farmers, Allstate, and independent agents having local Manchester offices, it’s difficult to determine which will provide you with the lowest rates and best service. To help decide, it’s easy to use insurance quotes online to get a list of insurance agencies to choose from.

Do I just need basic coverages?

When choosing the best auto insurance coverage, there is no “perfect” insurance plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that might point out whether or not you could use an agent’s help.

• Why does it cost so much to insure a teen driver in Manchester?
• Am I covered when driving on a suspended license?
• Do I have coverage when making deliveries for my home business?
• Does medical payments coverage apply to all occupants?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is my nanny covered when driving my vehicle?
• Can I still get insurance after a DUI?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent.

Buying car insurance locally

Educated insurance agents can help determine the best coverages and help in the event of a claim. One of the great benefits of price shopping on the web is that you can obtain the lowest rates and still choose a local agent. And supporting small agencies is especially important in Manchester.

After completing this short form, the coverage information is transmitted to insurance agents in Manchester who will battle for your insurance coverage. You don’t have to visit any agencies since price quotes are sent directly to your email. It doesn’t get any easier!

Insurance agencies in Manchester come in two varieties

When searching for local Manchester agents, you need to know there are two types of agencies that differ in how they can insure your vehicles. Manchester agents can either be independent (non-captive) or captive. While both can do a good job, but it’s worth learning how they differ because it can influence the selection process.

Independent Agents (or Brokers)

Independent agents are not employed by any specific company but instead can place your coverage with any number of different 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, you should always include multiple independent agents for maximum quote selection.

Shown below is a list of independent insurance agents in Manchester that may be able to provide price quotes.

Tautkus Insurance and Financial – 61 North St – Manchester, NH 03104 – (603) 669-1355
Fitzbag Insurance – 4251 Brown Ave – Manchester, NH 03103 – (603) 623-4858
Connie Cantin Agency – 453 2nd St – Manchester, NH 03102 – (603) 666-3202
Richard E Kelley Agency – 1117 Elm St – Manchester, NH 03101 – (603) 627-2284
Roger J Belanger Agency – 904 Hanover St # 2 – Manchester, NH 03104 – (603) 622-2969

Captive Insurance Agents

These agents can only write with one company and some examples include American Family, State Farm and Allstate. These agents are unable to provide prices from multiple companies so keep that in mind. They are trained well on their company’s products which helps them compete with independent agents.

Listed below are Manchester captive insurance agencies who can help you get rate quotes.

State Farm Insurance – 1837 Elm St # 1 – Manchester, NH 03104 – (603) 623-4675
Allstate Insurance – 1181 Hanover St # 1 – Manchester, NH 03104 – (603) 622-3030

For a complete listing of captive insurance agencies in Manchester, please view this page.

Deciding on an insurance agent requires more thought than just the price. Ask your prospective agent these questions:

• Do they specialize in personal lines coverage?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• If they are an independent agency, which companies do they recommend?
• How long has their agency been open in Manchester?
• Are they able to influence company decisions when a claim is filed?
• What insurance companies do they work with?
• Do they receive special compensation for putting your coverage with one company over another?

Once you have good answers for all questions you ask and locked in a price quote, most likely you have located an insurance agency that meets your needs to service your policy.

Is buying direct online an option?

Insurance agents are important to many people, but you also have the option of buying direct online. Some specific companies like State Farm and Allstate that are more known for using agents, also allow consumers to buy direct online, so that should be considered if you want to do it yourself.

If you’re worried about not having an agent to talk to when shopping online, don’t be too concerned. Online car insurance companies all have client service departments to help you decide which coverages are appropriate. They also make available 24/7 live help and a car insurance FAQ section that can help answer basic questions.

Can online rates save money? That question is hard to answer because there are many components that can increase policy rates. Many people think that buying online saves by not paying a commission. For the majority of companies, however, advertising budgets are huge and this drives up their premium costs.

More information is available on the website for the New Hampshire Insurance Department. Click here for link. New Hampshire drivers can find disaster information, report car insurance fraud, and read state legal mandates and laws.

More related Manchester auto insurance information:

• Learn to Find the Lowest Auto Insurance Prices From Agencies in Manchester, NH

Final thoughts

When you buy insurance online, never buy less coverage just to save a little money. Too many times, consumers will sacrifice liability coverage limits only to find out they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

Cheaper auto insurance can be purchased from both online companies and also from your neighborhood Manchester agents, so compare prices from both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.