Beavercreek Car Insurance Agents – Which is Best for Your Needs?

To locate a good insurance agent in Beavercreek, Ohio, you can always begin your search by getting online comparison quotes instead of making phone calls. Chances are you want an excellent agent, but you also want the lowest possible price.

With companies like American Family, Allstate, State Farm and Farmers having local Beavercreek offices, it’s difficult to determine which auto insurance agent will provide the best service and rates. To begin, consumers can get online price quotes in order to build a list of insurance agencies from which to choose.

Shop online but buy locally

Insurance agents are trained to spot inefficiencies and help you file claims. One of the great benefits of getting online price quotes is that you can obtain better rates but also keep your business local. Supporting local insurance agencies is definitely important in Beavercreek.

To find an agent, once you fill out this short form, your insurance coverage information gets sent to local insurance agents in Beavercreek who will battle for your coverage. There is no need to visit any agencies as quotes are delivered to your email. Now that’s easy! You can find the lowest rates and a licensed agent to work with.

Captive or Independent: There is a difference

When researching a good insurance agency, there are two types of insurance agents that you can select. Insurance agencies in Beavercreek are either captive or independent.

Independent Agencies or Brokers

Independent agencies are not locked into one company so they have the ability to put coverage with many different companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency. When shopping rates, we recommend you contact at a minimum one independent agency to have the most options to choose from.

Listed below are Beavercreek independent insurance agents that can give you price quotes.

Gene Frye Insurance – 3333 Dayton Xenia Rd # A – Beavercreek, OH 45432 – (937) 320-1104
Reichley Insurance – 2440 Dayton Xenia Rd # A – Beavercreek, OH 45434 – (937) 429-0655
Brian E Lampton Agency – 1326 Parkway Ct – Beavercreek, OH 45432 – (937) 427-8444
Alan Petzoldt Agency – 1042 Joffre Pl – Beavercreek, OH 45430 – (937) 426-9571

Captive Agents

These agents can only write with one company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are unable to place coverage with different providers so they have to upsell other benefits. They are very knowledgeable on their company’s products which can be an advantage.

Below are captive agents in Beavercreek that can give you price quote information.

State Farm Insurance – 1518 Marsetta Dr – Beavercreek, OH 45432 – (937) 426-4296
American Family Insurance – – Beavercreek, OH 45434 – (937) 426-7676

For a complete listing of captive insurance agents in Beavercreek, go to this page.

Selecting an insurance agency needs to be determined by more than just a low price. Here are some questions to ask:

  • Are claims handled at the agent’s location?
  • Is working in the agency their full-time job?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • How are they compensated?
  • How long have they worked with personal auto insurance coverage?
  • Do they assist clients in filing claims?
  • Do they review policy coverages at every renewal?

After getting positive feedback to your questions as well as a affordable price, you have narrowed it down to a car insurance agent that is a good match to properly insure your vehicles.

Are online companies an option?

Local insurance agents serve a purpose, but you also have the option of buying Ohio car insurance direct over the internet. Some companies that sell primarily through agents also allow you to buy direct on their websites, so that should be considered if you don’t want to take the time to contact agents.

If you’re anxious about having to choose coverages yourself, don’t let it bother you. Online companies have customer service departments for getting advice on proper coverages. They also have 24/7 live help and a car insurance FAQ section to make it easier to purchase.

Are online rates lower? The answer is complex because there are so many things which can raise or lower premium rates. It would make sense to think that buying directly from the company lowers rates due to not having any agent compensation. For the majority of companies, however, there are very high advertising costs and this tends to eat up any savings.

Ohio agents

And the best car insurance company is…

Affordable auto insurance can be sourced on the web in addition to many Beavercreek insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

People switch companies for any number of reasons including high rates after DUI convictions, delays in responding to claim requests, not issuing a premium refund or being labeled a high risk driver. Regardless of your reason, finding a new auto insurance company can be pretty painless.

More information can be found on the website for the Ohio Department of Insurance found here. Ohio drivers can learn about insurance regulations, file complaints about a company, and report car insurance fraud.

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