Tips for Finding a Huntington New York Insurance Agent

When searching for a licensed insurance agent in Huntington, you can start your search using online quotes to save yourself time. It’s assumed you’re not only searching for a good agent that listens to you, but you also want to find the lowest possible price.

With insurance companies like American Family, Allstate, State Farm and Farmers having offices in Huntington, it can be hard to know which insurance agency will provide the best service and rates. Fortunately, it’s easy to use online price quotes to build a list of agencies from which to choose.

Comparing prices from Huntington agents

Good agents can answer important questions and help submit paperwork. One of the great benefits of price shopping on the web is the fact that you can find better rates and still choose a local agent. Supporting local insurance agencies is important particularly in Huntington.

Once you complete this quick form, your information is submitted to agents in your area who will return price quotes to get your business. There is no reason to even leave your home because quoted prices will be sent directly to your email. It doesn’t get any easier! You’ll get the best rates and an insurance agent to talk to.

Is a captive or independent car insurance agent right for you?

When searching for a reputable insurance agent or broker, there are two different agency structures that differ in how they can insure your vehicles. Insurance agencies in Huntington are either independent (non-captive) or captive.

Independent Agents

Independent agencies are not locked into one company so they have the ability to put coverage with any number of different companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency. When shopping rates, we recommend you include price quotes from at a minimum one independent agency to have the most options to choose from. They also have the ability to place coverage with lesser-known insurance companies which may provide better rates.

The following is a list of independent insurance agencies in Huntington who can help you get price quote information.

Rita F Lai Agency Inc – 1172 E Jericho Tpke – Huntington, NY 11743 – (631) 427-4636
John Callahan Agency Inc – 294 New York Ave – Huntington, NY 11743 – (631) 271-1615
Walsdorf Insurance – 770 New York Ave – Huntington, NY 11743 – (631) 423-1140
George L Rousseau Agency – 212 E Main St – Huntington, NY 11743 – (631) 421-1486
Michael A LA Sorsa Insurance – 23 Oakwood Rd – Huntington, NY 11743 – (631) 421-4284

Agency Captives

Captive agencies are contracted to one company like Farmers Insurance or State Farm. These agents are not able to place coverage with different providers so always compare other rates. These agents are well schooled in insurance sales which helps them sell insurance even at higher premiums. Some consumers prefer to choose to use a captive agent partially due to high brand loyalty and solid financial strength.

The following are Huntington captive agencies that can give you price quotes.

Allstate Insurance Co – 595 W Jericho Tpke – Huntington, NY 11743 – (631) 271-0300
State Farm Insurance – 190 E Main St – Huntington, NY 11743 – (631) 424-6333

To view a complete directory of Huntington captive insurance agents, please view this page.

Deciding on an insurance agency shouldn’t rely on just the bottom line cost. These questions are important to ask:

Which insurance companies are they affiliated with?
Which members of your family are coverage by the policy?
Are claim adjusters local or do you have to take your car somewhere else?
Do the companies they represent have a solid financial rating?
Which company do they place the most coverage with?
Does the agency have a good rating with the Better Business Bureau?

Upon receiving positive feedback to any questions you have and locked in a price quote, you may have just found an auto insurance agent that will provide auto insurance coverage.

Can you buy online and save?

Insurance agents are perfect for certain consumers, but you also have the option of buying direct online. Certain companies, such as Farmers Insurance and State Farm, who sell through the agent channel also let you quote and buy online. This is something to consider and can also potentially find you lower rates.

If you’re uneasy about not having an agent to talk to, don’t let it bother you. Online car insurance companies provide customer service to help you decide which coverages are appropriate.

Do online companies provide lower prices? The answer to that question is complicated due to the large number of individual components that influence how your policy is priced. It’s often assumed that going direct saves money because there is no agent involvement. In many cases, marketing their products costs a lot of money so rates may not be all that different from traditional agents.

Additional auto insurance links

More information can be read on the New York Department of Financial Services website through this link. Visitors are able to learn about insurance regulations, view a list of available companies, find out industry alerts, and find out which companies have the most complaints.

The following information may also be useful.

One last thing about your coverage

Consumers change insurance companies for many reasons like poor customer service, an unsatisfactory settlement offer, denial of a claim or delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company is actually quite simple.

Cost effective auto insurance can be purchased from both online companies and also from your neighborhood Huntington agents, and you need to price shop both to have the best chance of lowering rates. Some companies may not provide online quoting and these small insurance companies work with independent agents.