If you’re looking to buy auto insurance, picking a good Kentucky insurance agent is not as easy as just randomly choosing from the yellow pages. Consumers need a professional licensed agent, but also need cheap rates.
Many car insurance agents vie for your hard-earned dollar, and because of this it can be hard to compare insurance agencies to find the best rate
Shop online but buy locally
Professional agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of price shopping on the web is you can get the lowest rates and still choose a local agent.
Upon completion of this short form, your insurance data is emailed to local insurance agents who will return price quotes for your coverage. You won’t need to visit any agencies as quotes are delivered straight to your inbox. How’s that for easy!
Deciding on a car insurance agent requires more thought than just the bottom line cost. Ask your prospective agent these questions:
- How much can you save by raising your physical damage deductibles?
- What are the financial ratings for the companies they represent?
- If you are a high risk driver, do they have special markets for your coverage?
- Do they have any clout with companies to ensure a fair claim settlement?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Who are their largest clients?
- How long has their agency been in business in Erlanger?
Car insurance agents in Erlanger come in two varieties
If you’re trying to find local Erlanger agents, there are two different agency structures from which to choose. Erlanger agents can either be independent or captive. While both can write coverage properly, but it’s worth learning how they differ because it can influence your agent selection.
Captive Insurance Agents
Captive insurance agents have only one company to place business with and examples are State Farm, AAA and Liberty Mutual. These agents are unable to compare other company’s rates so keep that in mind. Captive agents are usually quite knowledgeable on the products they sell and that can be a competitive advantage. Some people will only buy from captive agents primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.
Shown below is a short list of captive insurance agents in Erlanger willing to provide price quotes.
- Shelter Insurance – 6 Commonwealth Ave – Erlanger, KY 41018 – (859) 727-6677
- State Farm Insurance – 3126 Dixie Hwy – Erlanger, KY 41018 – (859) 341-8700
- Allstate Insurance – 18 Commonwealth Ave # A – Erlanger, KY 41018 – (859) 342-5100
- Farm Bureau Insurance – 3510 Dixie Hwy – Erlanger, KY 41018 – (859) 342-5518
Independent Agents (or Brokers)
These agents are not locked into one company but rather can write business amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to find a new agent.
When comparison shopping, we recommend you contact multiple independent agents for maximum quote selection.Most can insure with different regional companies who may have lower rates.
Shown below is a list of independent agents in Erlanger willing to provide comparison quotes.
- Insurance and Financial Brkrg – 3940 Olympic Blvd # 400 – Erlanger, KY 41018 – (859) 372-6619
- Farm Bureau Insurance – 3510 Dixie Hwy – Erlanger, KY 41018 – (859) 342-5518
For a full directory of auto insurance agents in Erlanger, go to this page.
Once you have received positive feedback and an acceptable price quote, you may have just found an insurance agent that meets your needs to adequately provide auto insurance.
The online companies promise big savings
Insurance agencies serve a purpose, but Kentucky drivers can also buy direct from companies online. Even companies who sell through agents in Erlanger also allow you to buy direct online, so keep that in mind and can also potentially find you lower rates.
If you’re concerned about not receiving proper advice, don’t sweat it. Insurance companies all have client service departments for customer questions. You can also use a frequently asked questions page to clarify any questions you may have.
Does it save money buying online? Many people think so, but it’s hard to say for sure since there may be dozens of rate factors that impact your premium. You may think that shopping direct lowers rates due to not having any agent compensation. For most online online companies, however, the cost of constant advertising is expensive and that can quickly cost more than paying an agent.
More detailed Kentucky auto insurance information can be found at the Kentucky Department of Insurance website. Kentucky drivers can read state legal mandates and laws, file complaints about a company, and discover disciplinary actions.
The articles below may also help you learn more about auto insurance in Erlanger
And the best car insurance company is…
People leave their current company for a number of reasons such as not issuing a premium refund, lack of trust in their agent, denial of a claim or even being labeled a high risk driver. Whatever your reason, choosing a new company can be easy and end up saving you some money.
Cheap auto insurance is definitely available online as well as from independent agents in Erlanger, so compare prices from both to have the best rate selection. Some auto insurance companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.
