When searching for a good insurance agent in Winchester, Kentucky, you can start your search by comparing prices online instead of making phone calls. We’re guessing you’re not only searching for a competent insurance agent, but you also want to find great rates as well.
With companies like State Farm, Allstate and Farmers Insurance all competing for your business, consumers have a hard time knowing which will give you the lowest rates and best service. Fortunately, you can use online quotes to get a list of agents to choose from.
Compare online but buy from a local Winchester agent
Insurance agents can help determine the best coverages and give you someone to call. The biggest benefit of comparing insurance prices online is that you can obtain the lowest rates and still choose a local agent. And providing support for small agencies is especially important in Winchester.
Upon completion of this form (opens in new window), your insurance data is immediately sent to local insurance agents who will return price quotes for your business. You never need to leave your house due to the fact that quote results will go immediately to your email address. Now that’s easy!
Types of car insurance agents in Winchester
When searching for a good insurance agency, you need to know there are two types of insurance agents to choose from. Winchester agents are categorized either captive or independent. Both insure your vehicles, but it’s worth mentioning the differences since it can impact buying decisions.
Independent Agencies or Brokers
Independent agencies are not required to write business for one company so they can insure your vehicles with any number of different companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part. When comparison shopping, it’s a good idea to include at least one independent agent for maximum quote selection. Many write coverage with smaller regional carriers which can be an advantage.
Listed below is a short list of independent agents in Winchester that can give you comparison quotes.
- Lumpkins and Logan Insurance – 184 Shoppers Dr – Winchester, KY 40391 – (859) 744-6102
- C K Jett Insurance – 30 Garner St – Winchester, KY 40391 – (859) 745-0866
Captive Insurance Agents
Captive agents work for only one company and some examples include Allstate, State Farm and Farmers Insurance. They usually cannot give you multiple price quotes so always compare other rates. These agents are usually quite knowledgeable on their company’s products which can be an advantage. Some consumers prefer to buy insurance from these agents mostly because of the prominence of the brand and the convenience of having all coverages with one company.
Below is a list of captive agencies in Winchester who can help you get price quotes.
- Shelter Insurance – 901 W Lexington Ave – Winchester, KY 40391 – (859) 744-8811
- Allstate Insurance – 740 Bypass Rd # 10 – Winchester, KY 40391 – (859) 745-2683
- State Farm Insurance – 19 Linden Ave – Winchester, KY 40391 – (859) 744-4819
To view a full list of captive insurance agencies in Winchester, please go to this site.
Picking an insurance agent should depend on more than just a cheap price. Agents should be asked these questions:
- Does the agency support the community they serve?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- How are they compensated?
- How long has their agency been open in Winchester?
- Do they specialize in personal lines coverage?
- If they are an independent agency, which companies do they recommend?
Once you have positive feedback to your questions and a low price estimate, you have narrowed it down to an auto insurance agent that is a good match to adequately provide auto insurance.
You have the option to purchase direct online
Local insurance agents are indespensible for some people, but you can also find affordable Kentucky auto insurance directly from online companies. Some car insurance companies like State Farm and Allstate who employ agents also allow you to buy a policy online, and consumers should do that if you’re trying to lower your rates.
If you’re concerned about not getting proper coverage, this really isn’t an issue. Online insurance companies that require consumers to choose their own coverages provide access to licensed agents for getting the best coverage.
Do online companies provide lower prices? That question is hard to answer because there are so many things that determine your policy premium. It’s a common assumption that a shopper who purchases direct saves the commission normally paid to an agent. In many cases, online and traditional media advertising are expensive so there may not be significant savings.
More resources for learning
Additional information can be read on the Kentucky Department of Insurance website found here. Kentucky consumers can find disaster information, read industry bulletins, view a list of available companies, and discover disciplinary actions.
More related Winchester auto insurance information:
What is YOUR best insurance company?
Drivers switch companies for a number of reasons such as an unsatisfactory settlement offer, not issuing a premium refund, denial of a claim or even policy non-renewal. Whatever your reason, switching auto insurance companies can be easy and end up saving you some money.
Affordable auto insurance can be bought from both online companies in addition to many Winchester insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who do not provide the ability to get a quote online and these regional insurance providers work with independent agents.
