Pay Less for New Bedford Massachusetts Car Insurance Rates in Five Minutes

Having to pay for overpriced car insurance can empty your bank account and force you to prioritize other expenses. Doing a price comparison is a smart way to slash your bill and have more diposable income. Having so many options, it’s difficult to find the best insurance company.

Compare New Bedford Car Insurance Costs

Finding a lower price on insurance is not rocket science. Consumers just need to invest a few minutes to compare quotes online with multiple companies. This can be done in several different ways.

The fastest way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This method prevents you from having to do separate quote forms to each individual car insurance company. A single, simple form will get you price quotes from many national carriers.

A harder way to get quotes online requires visiting the website for every company you want to comare to complete their respective quote request forms. For examples sake, we’ll assume you want comparison quotes from Allstate, Progressive and GEICO. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

For a handy list of car insurance company links in New Bedford, click here.

The hardest way of comparing rate quotes is to spend your day driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the personal advice that only a license agent can provide. However, consumers can comparison shop online and get advice from an agent in your area and we’ll talk about that later.

Whichever way you use, ensure you’re using identical coverages and limits for every company. If each company quotes different values for each quote it will be very difficult to determine the best price in New Bedford.

Your personal situation dictates your coverage

When choosing the right insurance coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your insurance needs might need an agent’s assistance.

• Where can I get insurance after a DUI in Massachusetts?
• When should I not file a claim?
• Do I really need UM/UIM coverage?
• Does my personal policy cover me when driving my company car?
• Is rental equipment covered for theft or damage?
• Should I buy only the required Massachusetts minimum liability coverage?
• If my vehicle is totaled, can I afford another vehicle?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Will I be non-renewed for getting a DUI or other conviction?
• Does my insurance cover a custom paint job?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Are insurance agents a thing of the past?

Certain consumers would prefer to talk to a local agent and that is OK! Good agents can help determine the best coverages and help you file claims. The biggest benefit of comparing rates online is the fact that you can find lower rates but also keep your business local.

To find an agent, once you fill out this form (opens in new window), your insurance coverage information is transmitted to companies in New Bedford who will return price quotes to get your business. You don’t have to leave your computer because quoted prices will be sent immediately to your email address. How cool is that?!

Deciding on an provider should depend on more than just a cheap price. Any agent should be forthright in answering these questions:

• What will you get paid if your car is a total loss? How is that amount determined?
• How much will you save each year by using a higher deductible?
• Do they assist clients in filing claims?
• Is working in the agency their full-time job?
• Which company do they place the most coverage with?
• Are there any discounts that you might be missing?
• Does the agency provide any after hours assistance?
• Did they already check your driving record and credit reports?

How to choose the best car insurance agent in New Bedford

When researching a reputable insurance agent or broker, there are two different agency structures to choose from. Agencies in New Bedford are classified as either captive or independent. Either one can write coverage properly, but it’s worth learning how they are different because it can influence your selection of an agent.

Captive Agents

Captive agencies work for only one company like Allstate, Farmers Insurance, State Farm and AAA. Captives cannot compare other company’s rates so keep that in mind. Captive agents are trained well on their company’s products which can be an advantage.

Independent Agents (or Brokers)

These agents are not required to write business for one company so they have the ability to put coverage amongst many companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent.

When searching for an agent, we recommend you contact several independent insurance agents for maximum quote selection.

The following is a list of independent agents in New Bedford willing to provide price quotes.

Patnaude Insurance – 1193 Ashley Blvd – New Bedford, MA 02745 – (508) 995-0214
Vermette and Bates Insurance Inc – 968 Kempton St – New Bedford, MA 02740 – (508) 993-1705

For a complete listing of New Bedford insurance agents, please view this page.

Once you have good answers to your questions as well as a affordable price, you have narrowed it down to an insurance agent that can insure your vehicles.

Find out more about car insurance

More detailed Massachusetts car insurance information is located at the Massachusetts Division of Insurance website. Visitors are able to file complaints about a company, read state legal mandates and laws, report car insurance fraud, and find out which companies have the most complaints.

Other useful links include III.org’s auto insurance page and this page of insurance agents in New Bedford.