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Best Local Car Insurance Agencies in Lowell

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Angela Westen Insurance Agency logo
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Angela Westen Insurance Agency

635 Rogers Street, Lowell, MA 01852
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  • Bundling Option

Business Description

Angela Westen Insurance Agency is a firm in Lowell with nearly two decades of experience in providing insurance solutions. As an independent insurance agency, it works with different insurance carriers to help clients find suitable insurance plans. Its insurance specialists carry commercial and personal auto insurance policies, assisting automobile owners in understanding the insurance process. In addition, they offer general liability and home insurance products. Angela Westen Insurance Agency also provides tax preparation, notarization, and translation services.

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 (30)
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
Appleby & Wyman Insurance Agency logo
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Appleby & Wyman Insurance Agency

152 Conant Street, Beverly, MA 01915
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Business Description

Appleby & Wyman Insurance Agency is an auto insurance provider serving Lowell and other locations. Its auto insurance covers inexperienced and young drivers, rentals, and theft, together with several other unforeseen events. It also has insurance for motorcycles, classic cars, and boats, ensuring the inclusion of niche vehicle owners. The company was established in 1903 and has more than 10,000 personal and commercial clients across 24 states. Its agents are known by clients to extend their professional services beyond expected outcomes.

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.
4.0
Google
4.0 / 5 (4)

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
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Clark Insurance - Lowell, MA logo
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Clark Insurance - Lowell, MA

165 Thorndike Street, Lowell, MA 01852
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  • Bundling Option

Business Description

Clark Insurance is an independent insurance agency in Lowell that provides insurance solutions and products to clients in the metro. The company was founded in 1931 and has since written policies for personal and business insurance needs. It offers auto insurance policies that cover property damage, bodily injury liabilities, and physical damage. It also provides coverage for other motor vehicles such as off-road vehicles, motorcycles, watercraft, RVs, and snowmobiles. It prides itself as a 100% employee-owned company whose members follow the Code of Ethics of the Independent Insurance Agents and Brokers of America.

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
4.5 / 5 (25)
Google
4.4 / 5 (5)

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
Cloutier Insurance Agency logo
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Cloutier Insurance Agency

1996 Lakeview Avenue, Dracut, MA 01826
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  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Business Description

Cloutier Insurance Agency traces its history back to 1979 when it was established to address the various insurance needs of the people of Massachusetts, New Hampshire, and Maine. Its experienced and professional associates can provide vehicle owners in Lowell the assistance they need to secure car insurance policies that will match their needs and individual risks while meeting the state’s minimum auto insurance requirements. Cloutier Insurance Agency can also help clients with insuring motorcycles, recreational vehicles, and boats.

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
4.6 / 5 (11)
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
Dick Insurance Agency, Inc. logo
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Dick Insurance Agency, Inc.

461 Main Street, Tewksbury, MA 01876
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  • Bundling Option

Business Description

Dick Insurance Agency is a family-owned independent insurance agency serving clients throughout Tewksbury, Lowell, and the surrounding areas of Massachusetts. The agency offers standard auto insurance that protects clients' cars from roadside risks and liabilities such as comprehensive, collision, and medical payments coverage. With over 20 years of experience in the business, its professional team of agents also offers business, homeowners, and life insurance, specializing in identifying and finding the best cost-efficient coverage for their clients.

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
Fred C. Church logo
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Fred C. Church

41 Wellman Street, Lowell, MA 01851
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  • Multiple Carriers
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

Founded in 1865, Fred C. Church Insurance provides business-centered and personal policies, particularly car coverage for clients in Lowell. The company caters to all kinds of vehicles such as SUVs, sedans, hybrid cars, and electric-powered cars. It reviews the driving history of clients to find important risks to cover, which may include unexpected airbag discharge, accident forgiveness pay, and damage to customized parts. Fred C. Church also specializes in industry insurance, which includes construction, franchising, outdoor exploration, and wholesale services.

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.
4.3
Google
4.0 / 5 (9)

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
I-Insurance Group logo
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I-Insurance Group

799 Gorham Street, Lowell, MA 01852
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  • Multiple Carriers

Business Description

I-Insurance Group provides for the car insurance needs of clients in the Lowell metro. It is an independent agency that offers a wide array of insurance policies for both personal and commercial lines. Its team specializes in crafting policy for car owners, homeowners, and individual life. It shops for insurance that best suits the client's requirements, including protection for vehicles, either for personal or corporate cars. I-Insurance Group is always ready to assist its clients from selecting the right policy to the claiming process.

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
Google
4.4 / 5 (25)
Facebook
5.0 / 5 (22)

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
––
L'Hussier Insurance logo
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L'Hussier Insurance

1641 Bridge Street, Dracut, MA 01826
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  • Multiple Carriers

Business Description

L'Hussier Insurance is an independent insurance agency that provides car insurance products to residents in the Lowell metro and nearby towns. It offers auto insurance policies for personal and commercial vehicles that protect owners from significant damage and liability payments. L'Hussier Insurance is currently headed by Suzanne L’Hussier, an insurance professional dedicated to protecting clients from their life's what-ifs. The family-owned company was formed in 1974 and has since written a variety of personal and business insurance plans for its clients.

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
4.3 / 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
Markham Group logo
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Markham Group

20 Central Avenue, Ayer, MA 01432
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  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

Business Description

Established in 1935, the Markham Group is an independent, full-service insurance agency offering car insurance options to families and businesses in Lowell. Its team of local agents finds a customized insurance policy with proper coverages and flexible options at the best premiums to protect clients' assets. For the convenience of policyholders, the company's claims agency is open 24/7 every day of the year. The Markham Group also offers personal insurance, business insurance, and financial services.

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
Facebook
5.0 / 5 (23)

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
Nichols Insurance Agency, Inc. logo
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Nichols Insurance Agency, Inc.

363 Great Road, Bedford, MA 01730
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  • Boats
  • Golf Cart & Scooter
  • Motorcyle & ATV

Business Description

Nichols Insurance Agency, Inc., is an insurance agency that's been servicing Lowell clients since 1989. It is committed to providing the ideal insurance policies for individuals and businesses, including auto insurance. It combines the efficiencies it has learned from partnering with a large direct writer and the personal attention characteristic of an independent agent. The agency also offers recreational vehicle insurance coverage options. In addition, Nichols Insurance Agency, Inc., offers wedding and special event coverage for businesses.

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 (6)

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
Talbot Insurance logo
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License Verified:

License: 1781418

Talbot Insurance

221 Chelmsford Street, Chelmsford, MA 01824
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  • Bundling Option

Business Description

Talbot Insurance provides auto insurance products to clients located in the Lowell area. The agency has been serving the community for over 50 years, catering to families, individuals, and businesses. It has partnered with several insurance carriers, such as Foremost, Grundy, Guard, and Merchants Insurance Group. Additionally, its team of agents offers personal and commercial insurance coverage for commercial autos, motorcycles, boats, mobile homes, homes and condos, and personal items.

License Verified:

License: 1781418

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
4.6 / 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
Triple L Insurance Agency, Inc. logo
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Triple L Insurance Agency, Inc.

800 Boston Road, Billerica, MA 01821
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  • RV & Motorhome
  • Boats

Business Description

Triple L Insurance Agency, Inc., is a family-owned, independent agency serving the community's personal and commercial insurance needs in Lowell for over 40 years. It offers a full range of insurance lines, such as for personal cars, commercial automobiles, homeowners, as well as business insurance, which allows clients the convenience of combining car and homeowner policies. Triple L Insurance Agency partners with top-rated insurance providers, including Progressive, Foremost, Commerce, and Plymouth Rock.

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.
4.1
Google
3.9 / 5 (7)
Facebook
4.4 / 5 (7)
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
Westford Insurance Agency logo
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Westford Insurance Agency

224 Littleton Road, Westford, MA 01886
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Business Description

Westford Insurance Agency is an independent agency in Westford that extends its services to clients in Lowell. The agency works with different insurance carriers in providing policies like car insurance plans, which financially protect clients against liabilities. Agents offer the compulsory car policy coverages, which include personal injury protection, bodily injury to others, bodily injury caused by an uninsured car, and damage to someone else's property. They offer optional coverages such as medical payments and towing and labor.

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
Facebook
5.0 / 5 (14)

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
Back to Providers

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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