To locate a licensed insurance agent in Dayton, you can always do an initial search by getting online comparison quotes instead of calling around. There is a good chance you not only want a professional agent, but you also need great rates as well.
With insurance companies like State Farm, Allstate and many independent agents all competing for your business, it’s difficult to determine which will give you the cheapest rates and the best coverage. To help decide, consumers can get online quotes to assemble a group of agents to choose from.
Different people need different coverages
When it comes to buying adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different and your policy should reflect that. For example, these questions may help highlight if your situation may require specific advice.
- Does my vehicle qualify for pleasure use?
- Where can I get insurance after a DUI in Ohio?
- Does my personal auto insurance policy cover using my vehicle for business use?
- Is my vehicle covered for smoke damage?
- Does my personal policy cover me when driving my company car?
- Is my vehicle covered by my employer’s policy when using it for work?
- When do I need to add a new car to my policy?
- What companies insure drivers after a DUI or DWI?
If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent.
Quote online but work with a neighborhood agent
Agents can help determine the best coverages and help file insurance claims. One of the great benefits of comparing insurance prices online is you may find the lowest rates and still choose a local agent. And providing support for small agencies is important especially in Dayton.
To find an agent, once you fill out this form (opens in new window), the quote information is emailed to participating agents in Dayton who will return price quotes for your insurance coverage. You won’t need to leave your house since price quotes are sent to the email address you provide. How’s that for easy! You’ll get the best rates and work with a local agent.
The following is a short list of car insurance agents in Dayton that can give you price quote information.
Michael B WITT Insurance – 6828 Loop Rd, Dayton, OH 45459 – (937) 439-5667
Liberty Mutual Insurance – 2717 Miamisburg Cntrvl Rd #204, Dayton, OH 45459 – (937) 438-1966
Allstate Insurance Co – 1377 E Stroop Rd # 309, Dayton, OH 45429 – (937) 299-3557
State Farm Insurance – 2541 Far Hills Ave, Dayton, OH 45419 – (937) 296-1166
Auto Insurance Network Agency – , Dayton, OH 45449 – (937) 866-6150
Sean M Keily Agency – 4217 N Main St # 108, Dayton, OH 45405 – (937) 275-1907
Farmers Insurance Group – 4752 Fishburg Rd # C, Dayton, OH 45424 – (937) 236-2551
Choosing an insurance agent requires more thought than just a cheap price. Here are some questions to ask:
- Does the agency have a good rating with the Better Business Bureau?
- Can they give you a list of client referrals?
- How long have they worked with personal auto insurance coverage?
- Are claims handled at the agent’s location?
- Does the agency provide any after hours assistance?
- What will you get paid if your car is a total loss? How is that amount determined?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
Upon getting positive feedback and an affordable coverage quote, most likely you have located a car insurance agent that is a good match to properly service your car insurance policy.
Online alternative for car insurance
Insurance agents are important, but Ohio drivers can also buy from online companies direct. Certain companies who employ agents also give you the ability to buy direct on their websites, so this should also be taken into consideration to possibly find a better rate.
If you’re uncomfortable with not having someone to ask questions when buying direct, don’t sweat it. Insurance companies provide access to licensed agents for getting advice on proper coverages. You can also use help pages and frequently asked questions to clarify any questions you may have.
Is pricing better online? That is a tough question to answer since there are so many factors that are calculated into your premium. It’s a common assumption that a customer who purchases direcly from an online company saves money because there is no agent involvement. For most online online companies, however, promoting brand recognition is pricey so there may not be significant savings.
If the best price is important to you, the most effective way to determine if car insurance prices are lower online or from agents is comparing prices for both of them. Even though it sounds odd, people frequently get different pricing from online quotes as they do from local agents returned by the same company.
Additional car insurance information is available on the website for the Ohio Department of Insurance found here. Consumers can read industry bulletins, get help finding coverage, read enforcement actions against agents and companies, and download brochures.
A tidy conclusion
When shopping online for car insurance, it’s not a good idea to skimp on coverage in order to save money. In many instances, an insured cut comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.
Insureds leave their current company for any number of reasons including delays in paying claims, policy non-renewal, being labeled a high risk driver and even questionable increases in premium. It doesn’t matter why you want to switch finding the right car insurance provider is easier than you think.
