Finding the best car insurance company for you can be a challenge. Today, we’re taking a closer look at Charter Oak insurance in the greater New York and Connecticut area. Charter Oak Agency claims to have a cost-effective solution for drivers in Fairfield County and beyond, but will it provide you with the coverage you need?
In this review, we’ll explore Charter Oak insurance reviews, coverage, and cost so you know what to expect from the auto insurance provider. Then, we’ll compare Charter Oak to some of the best auto insurance companies in the nation. Whether you decide to get a quote for Charter Oak insurance or not, we recommend comparing auto insurance quotes from at least three providers before making your final decision.
Use our tool below or call (844) 246-8209 to start comparing car insurance quotes:
In this article:
- Charter Oak Insurance Overview
- Auto Coverage With Charter Oak Insurance
- Charter Oak Insurance Cost And Discounts
- Charter Oak Insurance Quotes And Claims
- Charter Oak Insurance Reviews
- Final Thoughts On Charter Oak Insurance
- Top Recommendations For Car Insurance
Charter Oak Insurance Overview
Charter Oak Agency is an independent insurance company in Connecticut. For more than 50 years, Charter Oak has been connecting customers with insurance carriers like Progressive car insurance, Travelers auto insurance, and MetLife auto insurance. The company offers a variety of insurance products, including:
- Car insurance
- Homeowners insurance
- Life insurance
- Health insurance
- Disability insurance
- Long-term care insurance
- Umbrella insurance
- Valuable items insurance
- Flood insurance
- Business insurance
Auto Coverage With Charter Oak Car Insurance
Charter Oak insurance is available to all drivers, including high-risk drivers. But the Charter Oak website doesn’t provide much information about the types of coverage you can get. The following coverages are listed:
- Liability insurance
- Medical payments
- Damage to your automobile
- Uninsured motorist protection
- Roadside assistance
- Towing and labor
There is no mention of personal injury protection (PIP), which is a required coverage in New York. Additionally, we assume that damage to your automobile refers to collision and comprehensive auto insurance, however no additional information is available on the Charter Oak insurance website.
Because Charter Oak acts as an administrator to connect customers with insurance carriers, you can customize your policy depending on the coverage available with the provider you select.
Charter Oak Insurance Cost And Discounts
As Charter Oak works with a number of auto insurance carriers, you can get rates from several companies so you have options for cost and coverage. Beyond the carrier you choose to underwrite your policy, the cost of Charter Oak insurance depends on many things including your age, vehicle make and model, driving history, and exact location.
According to the Insurance Information Institute (III), drivers in Connecticut had an average annual auto insurance expenditure of $1,086 in 2016, while drivers in New York spent an average of $1,302. Not all drivers purchased the same types of coverage or the same limits. Both Connecticut and New York were in the top 10 most expensive states for auto insurance for the year.
You can lower the price of your Charter Oak insurance policy by qualifying for discounts. Charter Oak doesn’t provide a list of discounts online, but some discounts commonly offered by insurance carriers include safe driving, good student, and bundling discounts.
Charter Oak Insurance Quotes And Claims
You can call or submit a form online to get a quote for Charter Oak insurance. An independent insurance agent will then work with you to find the right auto insurance plan. You can also visit the office in Darien, CT.
To submit a claim, contact your Charter Oak insurance agent. Be prepared to give the agent details about the accident, damages, and any drivers and witnesses present.
Charter Oak Insurance Reviews
The Better Business Bureau (BBB) gave Charter Oak an A+ rating, however there are no customer reviews or complaints on the company’s BBB page. Charter Oak has a 4.6-star rating on Google based on seven customer reviews.
“Kyle Shouvlin and the staff at Charter Oak Agency are fantastic. Not only did they get me the best rates, but their handling of my recent insurance claim was top notch and simply put an A+++ effort. Kyle is a true professional, and I highly recommend using him for your insurance needs!”
-Richard S. via Google
“Conscientious negotiating between the [policyholder] and carrier. Above and beyond service.”
-Robert via Google
Final Thoughts On Charter Oak Insurance
We rated Charter Oak insurance 3.5 out of 5.0 stars. Charter Oak works with some top providers in the auto insurance industry, but its website is missing key information that would be helpful to drivers.
If you’re considering Charter Oak insurance, we recommend reaching out for a quote to get a better idea of what your coverage would look like. Be sure to ask about discounts you may qualify for.
Top Recommendations For Car Insurance
When you’re looking for auto insurance, it’s smart to shop around and get quotes from multiple sources before deciding which policy is best for you. We recommend that drivers in New England consider Geico and Progressive. Both performed highly in our review of the industry’s best car insurance providers, earning 4.6 stars each.
Geico: Best Overall
Geico is one of the top insurers in the United States for a reason. The company has earned top ratings from experts like AM Best and the BBB, with A++ (Superior) and A+ scores, respectively. J.D. Power gave Geico 881 points out of a possible 1,000 in its 2021 U.S. Auto Claims Satisfaction Study, which means customers are satisfied with the ease of the claims process. Geico also ranked fourth-highest in the 2021 U.S. Insurance Shopping Study.
With Geico, you have the choice of standard coverage or a more comprehensive plan that includes extras like roadside assistance, rental car reimbursement, and mechanical breakdown insurance. There are also a number of discount opportunities, including discounts for good drivers, good students, and military personnel.
To learn more, read our full Geico review.
Progressive: Best For High-Risk Drivers
If you’re in your 20s or have a DUI in your driving history, you’re considered a high-risk driver, and Progressive car insurance might be the right car insurance company for you.
Progressive has an edge over the competition with its easy-to-use technology, like the Name Your Price® tool that allows you to start your search for auto insurance with the amount you want to pay. There’s also the usage-based Snapshot program that can be a good choice for people who don’t drive very much. According to the Progressive website, drivers save an average of $145 after using Snapshot.
To learn more, read our full Progressive insurance review.
Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
Enter your zip code into our tool below or call (844) 246-8209 to start comparing personalized car insurance quotes:
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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