Consumers Guide to Searching for a Kettering Insurance Agent

When searching for a good Kettering agent, it’s recommended you begin your search by getting online comparison quotes instead of calling around. It’s highly likely you require not only a good professional insurance agent, but you also need affordable coverage.

With companies like Farmers, Allstate, and independent agents having offices in Kettering, it’s hard to tell which insurance agency will have the best service and rates. Thankfully, it’s easy to use online quoting to build a list of agencies from which to choose.

Save time by quoting online

Agents can point out coverage gaps and help submit paperwork. The biggest benefit of comparing insurance prices online is that you can obtain the lowest rates and still have an agent to talk to. Supporting local insurance agencies is important particularly in Kettering.

After completing this form (opens in new window), your insurance coverage information is emailed to insurance agents in Kettering who will give you bids to get your business. There is no need to drive around due to the fact that quote results will go directly to your email. How’s that for easy! Get lower rates AND an agent nearby.

Independent or Captive: It’s your choice

If you’re trying to find a reputable insurance agent or broker, you need to know there are two types of insurance agents that you can select. Insurance agencies in Kettering are categorized either captive or independent.

Independent Agents

Independent agencies are not required to write business for one company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies. When comparison shopping, it’s a good idea to contact at least one independent agent to get the best comparison. They often place coverage with different regional companies which can save you money.

The following are independent agencies in Kettering that may be able to provide pricing information.

  • Disalvo Agency – 313 E Stroop Rd – Kettering, OH 45429 – (937) 293-3238
  • Klum Insurance – 1625 Springhill Ave – Kettering, OH 45409 – (937) 294-2801
  • Robert K Jones Insurance – 3085 Woodman Dr # 130 – Kettering, OH 45420 – (937) 294-2600
  • Wertz Agency – 5975 Kentshire Dr – Kettering, OH 45440 – (937) 434-8770
Agency Captives

These agents work for only one company and some examples include State Farm, Allstate and AAA. These agents are not able to shop your coverage around so they have no alternatives for high prices. Captive agents are very knowledgeable on the products they sell and that can be a competitive advantage. Consumers frequently purchase coverage from captives partially due to loyalty to the company and the convenience of having a single billing for all their coverages.

Listed below is a list of captive insurance agencies in Kettering that are able to give price quote information.

  • Farmers Insurance Group – 580 Lincoln Park Blvd # 399 – Kettering, OH 45429 – (937) 424-0643
  • State Farm Insurance – 3077 Kettering Blvd # 112a – Kettering, OH 45439 – (937) 294-7630
  • American Family Insurance – 42 E Rahn Rd # 206 – Kettering, OH 45429 – (937) 434-6554

To view a complete directory of auto insurance agents in Kettering, visit this link.

Deciding on an insurance agency requires more thought than just the price. Any agent should have no problem answering these questions:

  • How often do they review policy coverages?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Do they carry Errors and Omissions coverage?
  • Who is covered by the car insurance policy?
  • Are there any discounts that you might be missing?
  • Is the agency involved in supporting local community causes?
  • Are they properly licensed to sell insurance in Ohio?
  • Do they feel the quoted coverages are adequate?

Upon receiving answers to your satisfaction to all your questions and an affordable coverage quote, most likely you have located an insurance agency that meets your needs to properly insure your vehicles.

Does buying direct online save money?

Insurance agencies serve a purpose, but you also have the option of buying direct over the internet. Certain companies like State Farm and Allstate who employ agents also allow you to buy a policy online, and that can save time and can also potentially find you lower rates.

If you’re anxious about not having professional advice when buying online, don’t sweat it. Online car insurance companies have toll-free phone numbers and other options to answer any questions you may have.

Can online rates save money? The answer to that question is complicated because there are many components which can adversely affect your policy premium. It’s often assumed that buying directly from the company prevents the agent from taking a cut. For the majority of companies, however, advertising budgets are huge so the lack of a commission may be a wash.

Additional auto insurance information is located on the Ohio Department of Insurance website located here. Visitors are able to find a variety of consumer forms, read industry bulletins, and find out industry alerts.

The following articles may also be useful.

find Kettering insurance agents

And the best car insurance company is…

Lower-priced auto insurance can be found on the web and with local Kettering insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

Drivers who switch companies do it for any number of reasons including delays in responding to claim requests, poor customer service, questionable increases in premium or even high prices. No matter why you want to switch, switching companies is actually quite simple.