Standard Insurance Agency

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Auto Insurance

Save money on your Auto Insurance - Learn More

Auto Insurance

We offer the best policies from the best companies - Learn More

Marine & R/V

Insure your boat or RV - Learn More

Flood Insurance

Get Flood Insurance to protect your home - Learn More

Homeowners Insurance

We offer insurance for your homes - Learn More

Homeowners Insurance

We will find the best Homeowners Insurance offerings for you - Learn More

Motorcycle Insurance

Get insurance for your motorcycle and drive with peace of mind - Learn More

Motorcycle Insurance

Insurance for bikers - Learn More

WELCOME

OUR RATES

TESTIMONIALS

NO CAVEMEN, NO LIZARDS, NO MAYHEM.
JUST GREAT INSURANCE RATES

Standard Insurance Agency is an independent insurance agency specializing in personal lines, including auto insurance, homeowners insurance, renters insurance, boat, motorcycle insurance, RV insurance, and umbrella policies. We provide insurance coverage to protect individuals from financial loss resulting from automobile accidents, fire, theft, burst water pipes, storms and other events that can damage property. Our focus is on providing Connecticut residents with insurance products that meet their needs at competitive prices. Standard Insurance Agency is a division of Standard Oil of Connecticut – proudly serving our local communities for 100 years.

How Do We Offer Such Great Rates?

We represent many insurance companies including: Travelers, Chubb, Progressive, Nationwide / Harleysville, MAPFRE, Bunker Hill, Plymouth Rock, and more. Because we are independent, we do not rely upon one insurance company's underwriting guidelines or prices. We will do our best to find you the right company for your specific needs and situation. We can provide an insurance program that delivers the quality coverage you need, at a price you can afford. Don’t sign another check until you get a quote from us -- you owe it to yourself to see what one of our professionals can offer you.

Read what are satisfied customers are saying about us

“I cannot believe I just saved $798 with a single phone call. I thought these stories were made up for TV”
- Dan F. North Haven, CT

“The representatives at Standard Insurance Agency are great! It was a pleasure working with them.”
- Wendy M. Hartford, CT

“It was a breeze signing up for a new auto insurance thru Standard Insurance Agency. And they even help me saved $159 a month on my policy. That's what I call service!”
- Vincent L. Bridgeport, CT

NEWS & EVENTS

10 Homeowners Insurance Mistakes

7 Myths About Home & Auto Insurance

Which Ones Do You Believe?

Myth #1:	The insurance companies that advertise that they “cut out the middle man” have the lowest insurance rates.
Fact:	The insurance companies who “cut out the middle man”, spend huge amounts of money on advertising. And guess what, they still have to pay their sales force and customer service staff. By shopping the market for you, we almost always beat the pricing offered by the insurance companies who “cut out the middle man”.

Myth #2:	Home and auto insurance prices are pretty much all the same.
Fact:	While there may have been some truth to this in the past, it is not true at all today. In the old days, most insurance companies based homeowners pricing on the value of your home, the town it was located in, and some basic characteristics of the house. On auto they looked at the type of cars, the age of the driver and motor vehicle records. Today, most insurance companies base their pricing on computerized models that look at a great number of variables. They now understand that the people who live in the house and drive the cars are as important as or more important than the house or the cars themselves when it comes to predicating losses and rating policies. Since these models have different assumptions, they can create very large price differentials between companies. Sometimes as much as 50% or more! The only way to find whether you are overpaying for your insurance is to have an insurance professional shop the market to compare rates for you.

Myth #3:	My insurance company has unique features that other companies do not have.
Fact:	Insurance is a very regulated business. Almost all policies must be approved by the Connecticut Insurance Department. The overwhelming majority of companies use standard forms developed by ISO. For example, most homeowners policies are written using a HO3 form. However, companies then offer coverage options and upgrades that require careful review with an insurance professional. Your company is almost certainly not unique in being able to offer specific or additional coverage.

Myth #4:	My insurance company is uniquely good. I had a $5000 claim 5 years ago and they paid it – no questions asked.
Fact:	There are many good insurance companies out there. Almost any top-rated carrier has excellent claims processing. However, many people are surprised when their insurance company actually pays a claim. But if you think how much you have paid into an insurance company (let’s say $3, 000 a year for 10 years), you should not be so surprised that they happily paid you $5,000 to cover a claim.

Myth #5:	My insurance company is great. I had a claim, and they didn’t cancel me!
Fact:	Any good insurance company has a lot of flexibility when dealing with claims. The type and number of losses you have experienced is only part of what they look at. Remember most people experience a loss of some type over their life a good company knows that.

Myth #6:	I’m sure I am getting a good rate on my insurance. It was the best I could find a few years ago and it hasn’t changed much since then.
Fact:	The only way to be sure you aren’t paying more than you should be is to have an insurance professional discuss your insurance needs, analyze your existing policies, and shop the market for the best value available to you. You should go through this process at least once every 2 or 3 years. Rating variable change and companies adjust rates all the time.

Myth #7:	Changing insurance companies is a difficult and time consuming process.
Fact:	If you work with a knowledgeable insurance professional the process is actually very easy. It only takes a few minutes to gather the data needed to shop your insurance for you. If you like the price and company we find for you it’s as easy as reviewing and signing the applications.

If you find that you believe (or believed!) any of the above myths, you should call the insurance professionals at Standard Insurance Agency at (866) 400-3567.

8 Reasons To Get A Quote

You’re moving and need insurance
You have a security system or are considering adding one and want to maximize your insurance savings
You have been with the same insurance company and want to see how much money you can save with some of the new programs
Construction/Replacement costs have changed and you’re not sure if you have adequate coverage.
You have not had a professional review your policy with you in a few years
You have above average credit which can translate into additional savings
You want an agent you can talk to
You think you’re paying too much

10 Homeowners Insurance Mistakes

Your dwelling limit is inadequate to rebuild your home.
You think the market value of your home and your policy limit should be the same.
Your policy deductible is too low.
Your liability limit is too low.
You don't know if your policy includes personal injury coverage or you don't know what personal injury coverage provides.
You have not shopped your policy in a few years.
You think the "best" rates are only available online for do it yourself shoppers.
Your policy does not include some form of additional replacement cost coverage.
You are not receiving all the discounts you deserve.
You think all homeowners policies are the same.

Motorcycle Safety Tips

Before every ride, check the tires, brakes, chain, oil, fuel, light, signals and horn
On the road, use the SEE strategy, SEARCH around you for potential hazards, EVALUATE any possible hazards, and EXECUTE the proper action to avoid the hazard.
Wear a helmet, it can save your life.
Always use eye protection and highly visible clothing
Know your motorcycle and keep it properly maintained
To enjoy riding for many years to come you cannot become complacent about your level of riding skill no matter how experienced you are so sign up for an advanced rider course.