Independent Insurance Agents

Frequently Asked Questions

Why choose an independent agent?
How do I find an independent agent in my area?
How are auto policies rated?
Does an accident cause a premium to go up?

Why choose an independent agent?
Your local independent insurance agent represents several leading insurance companies…not just one. So you're sure to get the best advice and the best value in personal insurance around. Not just your agent. Your advocate.

How do I find an independent agent in my area?
Finding a local Hartford Independent Agent is easy. Use our online agent locator and enter your address or call our toll-free number: 1-800-THE-STAG.

How are auto policies rated?
Auto insurance premiums are based on several criteria including the type and amount of coverage, where the vehicle is garaged, the deductible, the make and model of the auto, the number of miles driven during the year, the age and sex of the operators, marital status, and so forth.

Does an accident cause a premium to go up?
It's possible. If the accident is the insured driver's fault and results in bodily injury or property damage in excess of a certain threshold (usually $500), the premium would probably increase at renewal. The amount of the increase varies by state.

The program features or coverage descriptions above are general and for information purposes only. Actual claim coverage in the event of a loss would be determined by your policy's terms and conditions.