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Best Local Car Insurance Agencies in Lawrence

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Cowan Insurance Agency, Inc. logo
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Cowan Insurance Agency, Inc.

359 Main Street, Haverhill, MA 01830
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  • Multiple Carriers

Business Description

Founded in 1938, Cowan Insurance Agency, Inc., has served residents in Lawrence and New England. The company offers insurance policies for personal and commercial lines. Some of the policies offered are for homeowners, businesses, and car owners. For personal cars, collision coverage covers all possible emergency road accidents, while commercial auto insurance provides protection for vans, dump trucks, and food trucks. Cowan Insurance Agency operates by its service standard to "do right and do it now."

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
3.3 / 5 (7)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Georgetown Insurance Agency, Inc logo
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Georgetown Insurance Agency, Inc

10 West Main Street, Georgetown, MA 01833
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  • Boats
  • Motorcyle & ATV

Business Description

Georgetown Insurance Agency, Inc., is a family-owned business near Lawrence that provides protection for car owners and drivers through auto insurance. Its team of insurance professionals has years of experience crafting policies that pay for damages, medical expenses, and legal costs arising from accidents, theft, fire, or other covered events involving vehicles. Insurance plans for classic and antique cars are also available. Georgetown Insurance Agency seeks to build long-term relationships with clients and deliver a high level of professional service.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.5 / 5 (8)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kane Insurance Portsmouth logo
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License Verified:

License: 1912910

Kane Insurance Portsmouth

242 State Street, Portsmouth, NH 03801
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  • Bundling Option

Business Description

Kane Insurance Portsmouth has been delivering personal and commercial auto insurance solutions to clients in Lawrence and the surrounding communities since 1995. Its service is broken down into three steps, starting with matching the client's coverage needs to the appropriate insurance policy. Based on these requirements, the agents then narrow down the options from over 40 insurance carriers that they represent. These options are then discussed by the agent in order for the client to choose the right policy.

License Verified:

License: 1912910

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.4 / 5 (14)
Google
4.6 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Michaud Insurance Agency, Inc. logo
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Michaud Insurance Agency, Inc.

95 Ayer Street, Methuen, MA 01844
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  • Multiple Carriers

Business Description

Michaud Insurance Agency, Inc., is a family-owned insurance agency servicing the Lawrence community. It provides personal and commercial car insurance coverage options that protect drivers and their assets from loss, injury, or damage. The policies typically include liability, collision, and comprehensive protection. Additional coverages can also be included like medical payments, emergency road service, and uninsured motorist protection. Businesses are also protected when commercial vehicles are involved in accidents. The agency also offers classic car and auto dealers' insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (72)
Facebook
5.0 / 5 (7)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mill City Insurance logo
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Mill City Insurance

493 Westford Street, Lowell, MA 01851
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Business Description

Mill City Insurance is an insurance agency that has been providing policies to clients in Lawrence for over 15 years. The agency's policies offer coverage for damage and theft, legal obligations for property damage and bodily injury, and expenses related to treating injuries, including rehabilitation along with wages lost and funeral costs for new and experienced drivers. Mill City Insurance also offers home and renters insurance. It also has insurance agents in Lowell, Lynn, Worcester, and Everett.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.4 / 5 (75)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
MTMBrainerd INC. logo
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MTMBrainerd INC.

1a Andover Road, Billerica, MA 01821
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  • Motorcyle & ATV

Business Description

MTMBrainerd INC. is an independent insurance agency with over 100 years of combined industry experience in offering car insurance options to clients in Lawrence and nearby areas. Its agents develop long-term relationships with its clients by providing the right products at the best prices. They also give expert advice to ensure that clients are properly protected and understand what they are purchasing. The company also offers auto and home bundles, which help clients save even more.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (50)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Portsmouth Atlantic Insurance logo
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Portsmouth Atlantic Insurance

601 Islington Street, Portsmouth, NH 03801
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  • Multiple Carriers

Business Description

Portsmouth Atlantic Insurance has been providing auto insurance to drivers in Lawrence since 2005. The independent agency's policies provide cover for property damage, physical damage, bodily injury liability, and medical payments along with coverage for transportation expenses/rental coverage and uninsured/underinsured motorists. With six team members including personal insurance specialists on board, it offers comprehensive solutions to clients from many insurance companies. Portsmouth Atlantic Insurance is a member of the North American Insurance Alliance and the New Hampshire Association of Insurance Agents.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (190)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Samel Insurance Agency Inc. logo
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License Verified:

License: 1780985

Samel Insurance Agency Inc.

15 Central Street, Andover, MA 01810
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  • Multiple Carriers

Business Description

Samel Insurance Agency Inc. is an independent company providing insurance services to clients in Lawrence and the nearby areas. For over 50 years, it has been offering car insurance plans that protect its clients against financial losses associated with events such as accidents and theft. Its team of agents assists customers in understanding the types of coverages and helps them decide which one is right for them. The agency also serves its community by being involved in local and industry associations.

License Verified:

License: 1780985

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Santo Insurance & Financial Services logo
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Santo Insurance & Financial Services

224 Main Street, Salem, NH 03079
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  • Multiple Carriers

Business Description

Santo Insurance & Financial Services is an independent insurance agency that has been serving New Hampshire locals in the Lawrence and Salem areas since 1993. Its insurance agents provide personalized auto insurance packages with premium benefits for multi-car policies, good driving histories, good student records, auto safety features, and homeownership. The agency's carriers include AmTrust North America, Peerless Insurance, Progressive, MMG Insurance, and Union Mutual. Santo Insurance & Financial Services is a Trusted Choice Independent Insurance Agent.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (11)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Silverio Insurance Agency logo
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Silverio Insurance Agency

10 South Broadway, Lawrence, MA 01843
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  • Multiple Carriers
  • RV & Motorhome
  • Bundling Option

Business Description

Silverio Insurance Agency is an independent insurance agency that services the greater Lawrence metro and the nearby Lowell area. The agency was founded in 1984 and is committed to guiding clients through their insurance options and crafting a lasting insurance plan that addresses their needs. It is an expert in writing auto insurance policies that provide comprehensive and collision coverage. Add-ons for protecting against medical payments, uninsured motorists, and other liabilities are also available.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
Tobey & Merrill Insurance logo
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Tobey & Merrill Insurance

20 High Street, Hampton, NH 03842
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  • Multiple Carriers

Business Description

Tobey & Merrill Insurance is a car insurance agency serving over 4,000 clients in Lawrence and other communities in Massachusetts, Maine, and New Hampshire. Founded in 1908, the agency has survived two world wars and economic ups and downs. It currently has 11 employees, representing more than 200 years of experience. The team helps clients protect themselves and their vehicles in cases of bodily injury to others, property damage, medical payments, and uninsured motorists. The agency partners with 20 major insurance companies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Verge Agency - Plaistow logo
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Verge Agency - Plaistow

91 Plaistow Road, Plaistow, NH 03865
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  • Multiple Carriers

Business Description

Verge Agency is a Plaistow-based company that provides car insurance products to residents in the area and in the greater Lawrence metro. It writes annual or bi-annual auto insurance policies that can include property damage, liability, and medical payment coverage. The business was formed to provide personalized insurance solutions that have the clients' best interests in mind. The independent agency has other offices located in New Hampshire, Massachusetts, and Maine.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (4)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Walter Insurance Agency logo
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Walter Insurance Agency

86 Broadway, Lawrence, MA 01840
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  • Multiple Carriers
  • Bundling Option

Business Description

Walter Insurance Agency is an independent business that has been offering a wide range of personal and commercial insurance products since 1997. The company serves Lawrence and nearby communities. Its professionals offer auto insurance services to protect clients from losses and damages due to accidents and other disasters. They also provide workers' compensation, general liability, business owner policy, and home insurance solutions. Walter Insurance Agency works with dozens of insurance carriers and has English, Portuguese, and Spanish speakers on-premises.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.5 / 5 (13)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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