"Locally owned & operated insurance agency in Stratford CT since 1949."

Our mission is to provide a broad range of insurance products that meet the very needs of our customers. Whether it be insurance for your business or personal insurance needs such as home and auto insurance, umbrella or life and health insurance, we can coordinate coverage and offer excellent value.

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Enjoy the “Scott Guarantee”!

Receive an immediate quote,
and a phone call the next day!

We will shop your information with our preferred insurance carriers and call you back to review the Best Price Available.

Money Saving Tips

Here are 11 great ways to save money

 

  1.  Mind Your Credit Score!
    Did  you know you have an Insurance Credit Score??? This score is similar to your credit Score. Just like your loan creditors, insurers love to see long term stability, responsible use of credit and keeping balances low, if you have been impacted by a negative credit history in the past, improvements in your FICO credit score will mean lower insurance premiums in the future.  You can check with TransUnion, Equifax or Experian for your FICO score, and work on improving it if appropriate.
  2.  Request higher deductibles.
    The deductible is the amount of money you have to fork over before your insurance policy comes to the rescue. By bumping your deductible up from $200 to $500, you could lower the cost of your collision and comprehensive coverage by 15 percent to 30 percent. By increasing it to $1,000, you could decrease that cost by at least 40 percent.
  3. Combine policies with one carrier.
    You will save money if you insure all your vehicles, including trailers and recreational vehicles, on a single policy. Your car premium also should go down if you buy homeowners’ or life insurance from the same company.
  4. Forgo coverage you don’t need. Think about dropping collision and/or comprehensive coverage on older cars with a low market value. Such coverage often is not worth it because any claim you make probably won’t exceed the cost of the insurance and the deductible amount. To assess your car’s current value, visit Kelley Blue Book or Edmunds.com.
  5. Avoid duplicating medical coverage. If you already have good health, life and disability insurance, buy only the minimum personal injury protection required by the state where you live.
  6. Purchase a low-profile car. It’s more expensive to insure a vehicle that’s expensive to repair, popular with thieves or known for not having the greatest safety record. For a rundown of vehicles’ risk levels, visit the Insurance Institute for Highway Safety’s Web site.
  7. Carpool or drive less. Many insurance companies offer “low-mileage discounts” to policyholders who carpool to work or drive a lower-than-average number of miles each year. You can call Scott Insurance and find out whether you qualify.
  8. Opt for safety gear. You can qualify for a discount on many policies if you have air bags, automatic seat belts, anti-lock brakes and daytime running lights. An approved alarm system or other anti-theft device can give you additional savings.
  9. Seek out discounts for teens. Insure teenagers on the parents’ policy rather than a separate policy. Teens who maintain good grades and pass an approved drivers’ education course usually can qualify for reduced rates. An additional discount may come into play if your child goes to college more than 100 miles from home and doesn’t bring a car along.
  10. Check for other discounts. You also might be able to pay less if you’re older than 50 or 55 and/or retired; if you’ve had no accidents or moving violations in three years; or if you’re a longtime customer.
  11. Pause before paying extra for roadside assistance. It might be good to line up a roadside assistance plan elsewhere because a tow could increase your auto insurance premium and might even affect your eligibility for coverage. What’s more, you may already have an adequate roadside plan through your credit card.

 
Credits: Sources:

File an Insurance Claim

Enjoy the “Scott Review”

Before filing a claim, call our office to review your loss with one of our seasoned agents! We will advise you as to the best course of action!

When you speak with us, you’ll see why our clients appreciate our individual attention and care!

Trust Scott Insurance For Your Local Insurance Needs

Posted on Sep 27, 2017 in Auto Insurance, Home Insurance

 

Shopping for home and car insurance may not be something you look forward to, but in today’s society, insurance is a necessary evil. Most mortgages require homeowner’s insurance, and most states in the US also require minimal auto insurance. Beyond the simple legality aspect of it, however, you want to carry home and car insurance to protect you and your family in case of emergency. For this reason, when you need home insurance in CT or auto insurance in CT, you need someone you can trust. Someone who’s in your hometown and understands the daily needs of a family. Here at Scott Insurance, we’re family owned and have been in business for decades. As opposed to large insurance companies who have agents that work in phone banks, our offices are right here, always willing to help you understand your insurance. Should it come time to file a claim, you want the best.

Homeowner’s insurance can help protect your investment in the event of many different types of emergencies, from natural disasters to theft and burglary. Different policies have different clauses, however, and instead of signing a confusing insurance contract, we’re here to walk you through every step of purchasing homeowner’s insurance. Your home is your largest investment, and you do want to make sure you’re well-protected, but also as economically as possible. We can help you do that.
When it comes to car insurance, we can find you the most economical choice to your benefit as well. We’ll go over and review comprehensive, liability, and collision insurances, making sure that you understand each type and how it can benefit you. We’ll find you the best rate for your family and your budget.

When you need local home insurance in CT or auto insurance in CT, choose the best and call Scott Insurance at (800)281-4715. A friendly and professional agent is waiting to help.

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Scott Insurance Covers All Your CT Insurance Needs

Posted on Aug 22, 2017 in Auto Insurance, Home Insurance, Life Insurance

Scott Insurance Is Your Full-Service CT Insurance Provider

People don’t often look forward to buying insurance, whether it’s for your home, car, or a different type of insurance, such as renter’s, liability, or life insurance. Getting multiple quotes and figuring out just what you need for coverage can be a hassle. Larger corporations may offer promises of saving money for switching over, but when you’re connected to an agent who’s thousands of miles away, you may not always be sure of what you’re getting.
Here at Scott Insurance, we’ve been serving Stratford and the surrounding areas since 1949. Happy to be your local, hometown insurance company, our office is right here with any needs and questions you have concerning policies. And, we’re only a phone call away. With the ability to cover all of your insurance needs here in CT, we are the agents to call.
If you’re having trouble understanding what you need when it comes to auto and home insurance in CT, our agents are glad to help iron out the wrinkles. Always with your best needs in mind, we can help you decide what kind of coverage you need, while saving you money at the same time.
If you’re in the market for CT life insurance, or other insurances such as liability, marine insurance, or renter’s insurance, we can help as well. In fact, we can bundle all of your insurance policies into one low monthly payment, so you don’t have multiple bills to pay to different companies on different days. Convenience is key.
If you need help streamlining your insurance options, or simply just want better insurance at a lower rate, call Scott Insurance today at 203-375-5847 or contact us through the secure web form with any questions you may have.

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Will Your Life Insurance Leave Your Loved Ones with Enough?

Posted on Jun 27, 2014 in Life Insurance

Life Insurance Policy and Choose or Buy One

Think you have enough life insurance coverage?

According to a recent 2013 study performed by The Futures Company there’s a very good chance that you do not. This study found that Americans only have enough life insurance to provide for their family for three years after the policy is used. But how much would someone need to make sure their families are well provided for? The study says that most policies fall over 300 thousand short of what’s needed. And perhaps the worst thing the survey revealed was the fact that the policyholders were unaware on how little life insurance coverage they truly had. You can read more about the survey from this post on Abendowment.org.

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