"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!

Reliable And Trustworthy CT Business Insurance

Posted on Nov 28, 2017 in Business Insurance

When it comes to protecting your livelihood and your business, one of the most important things you can do is to hold the right insurance. There are many I’s to be dotted and T’s to be crossed when you’re a small business owner, and if you’re not careful, missing something important such as liability or different types of business insurance can be disastrous. Larger companies may promise cheaper rates in a matter of minutes, but may not come through for you when it’s crunch time and you need to file a claim. If you’re in search of reliable and trustworthy business insurance in CT, look no further than Scott Insurance.

There are many reasons to choose a CT insurance agency when it comes to insuring your business. Having someone right in your hometown is imperative if there’s an emergency. Claims can get filed and processed more quickly, and you can drop right in the office at any time to check up on how a claim is going or being processed. A hometown agency is also a good idea when you’re shopping and first purchasing insurance. One of our qualified agents will sit down and explain all the different attributes of business insurance – from holding bonds for workers, to worker’s comp insurance, to liability insurance – to tailor a package that’s perfect for your needs. There’s no point in holding business insurance policies that don’t do anything for your business. We’re also happy to explain Connecticut laws and what’s required by law, so that you’re always covered. As always, we provide the lowest rates possible so you can concentrate on the important things, such as running your business.

To learn more about the different types of business insurance in CT or to request a quote, call Scott Insurance today at (203)375-5847 to speak with a professional agent or representative. We’re more than happy to provide an expedient and free quote.

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Work With A Local Gay-Friendly Insurance Agency

Posted on Oct 23, 2017 in Business Insurance, Home Insurance

Whether you’re just buying insurance for the first time, or you’ve been shopping around for a new insurance agency and company, there are a lot of things to consider as you choose your agency, your agent, and your policy. First of all, you want to make sure that you have an agent and a company that’s on your side. Larger companies may promise to save you lots of money, and they may at the outset – but come claim time, you may be surprised at how little your coverage actually covers. If you own your own business or carry insurance on your home, this can be a real blow to your livelihood. If you’re in search of CT home insurance and would like an agent right here in your hometown, then Scott Insurance is an excellent choice.
Instead of a stranger setting up your policy for you from a call bank, we will sit down with you and go through your policy piece by piece to completely tailor it to your needs. As your local gay-friendly insurance agency, we’re here for you whether you’re buying your first home, building your business, or renting your first apartment together.
If you’ve been searching for reputable and economical business liability insurance in CT, we can help walk you through that as well, explaining all of your options. Instead of rushing you through to sign a policy in 15 minutes or less, we want to make sure you understand everything so that your coverage really means something, in case you do have to file a claim.
For the most reliable gay-friendly insurance agency in CT, call Scott Insurance today at 203-375-5847 to speak with a professional member of our staff. We’re your number-one choice for auto, home, and business insurance, and we’re always on your side.

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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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