Comparing car insurance companies in Jeffersontown, KY can be challenging because you have many choices and finding the best Kentucky car insurance agent is more difficult than just calling the closest agent. You require a good professional insurance agent, but also need the lowest rates in Jeffersontown.
Many auto insurance agents vie for your insurance dollar, and it can be difficult to compare rates to get the best rates possible.
How to find Jeffersontown insurance agents online
Licensed agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of comparing insurance prices online is you can get lower rates but also keep your business local.
Once you complete this short form, your insurance data is transmitted to participating agents in Jeffersontown who will give you bids for your coverage. You never need to even leave your home due to the fact that quote results will go to your email. Now that’s easy! You can find better rates and a licensed agent to work with.
Deciding on an insurance agent requires more thought than just a cheap price. These questions are important to ask:
- How are they compensated?
- Do they assist clients in filing claims?
- How long have they worked with personal auto insurance coverage?
- If your car is in the repair shop, do you have coverage for a rental car?
- Does the agency have a good rating with the Better Business Bureau?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
Compare rates from both independent and captive car insurance agents
If you’re trying to find a local agent, there are a couple of types of agencies that you can select. Agencies in Jeffersontown are either captive or independent (non-captive).
Agency Captives
Captive agents write business for a single company and some examples include American Family, Liberty Mutual and AAA. They are unable to give you multiple price quotes so always compare other rates. Captive agencies are trained well in insurance sales which helps them sell insurance even at higher premiums.
The following are captive agencies in Jeffersontown that are able to give rate quotes.
Allstate Insurance – 9322 Taylorsville Rd # 1a – Jeffersontown, KY 40299 – (502) 267-6657
State Farm Insurance – 10839 Bluegrass Pkwy – Jeffersontown, KY 40299 – (502) 499-7575
Farm Bureau Insurance – 3271 Ruckriegel Pkwy – Jeffersontown, KY 40299 – (502) 266-6100
Independent Agencies or Brokers
Independent agents do not work for one specific company so they can insure your vehicles with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage without you having to go to a different agency. When shopping rates, it’s recommended you get quotes from at least one independent agent to get the best comparison.
Listed below is a list of independent agents in Jeffersontown that are able to give rate quotes.
Aubrey Beatty Agency – 9322 Taylorsville Rd # 1b – Jeffersontown, KY 40299 – (502) 267-9195
Nationwide Insurance – 11001 Bluegrass Pkwy # 250 – Jeffersontown, KY 40299 – (502) 267-9537
Farm Bureau Insurance – 3271 Ruckriegel Pkwy – Jeffersontown, KY 40299 – (502) 266-6100
For a complete listing of licensed insurance agents in Jeffersontown, please click here.
Upon receiving positive feedback to all your questions and a good coverage price, chances are good that you have found an auto insurance agent that can adequately provide car insurance.
Can you find lower rates by buying online?
Professional insurance agents serve a purpose, but you can also buy Kentucky car insurance from online companies direct. Even companies who employ agents also permit you to get a quote and buy online, and consumers should do that.
If you’re concerned about not receiving proper advice, don’t sweat it. All companies provide customer service that you can contact for information.
Does it save money buying online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there may be dozens of rate factors that impact your premium. Common sense would say that going direct lowers rates due to not having any agent compensation. In many cases, advertising budgets are huge and that can cost more than having to pay agents.
Shop smart and save
Consumers switch companies for any number of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, poor customer service or policy cancellation. Whatever your reason, choosing a new company is less work than it seems.
Cheap car insurance is definitely available from both online companies and with local Jeffersontown insurance agents, and you need to price shop both so you have a total pricing picture. A few companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.
More information about car insurance
More tips and info about car insurance can be found at the Kentucky Department of Insurance website. Consumers can view a list of available companies, learn about specific coverages, read state legal mandates and laws, and file complaints about an insurance agent or broker.
