Covington Auto Insurance Agents – Tips to Finding the Right One

When buying car insurance in Covington, finding the best Kentucky car insurance agent is harder than just driving to the closest agent’s office. Consumers require a good professional insurance agent, but also need the best possible price.

Insurance companies such as State Farm and Geico increase brand awareness with TV and radio ads and it is difficult to sift through the bull and take the time to shop coverage around.

Price shop online but buy from a local Covington agent

Insurance agents can answer important questions and help you file claims. One of the best bonuses of comparing rates online is that you can obtain the best rates but still work with a licensed agent.

Upon completion of this short form, your information is immediately sent to agents in your area who will battle for your business. You won’t need to even leave your home as quotes are delivered immediately to your email address. How cool is that?!

Deciding on an insurance agent should depend on more than just a low price. Ask your prospective agent these questions:

  • Do they have any clout with companies to ensure a fair claim settlement?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • What is the agency’s Better Business Bureau rating?
  • How long have they worked with personal auto insurance coverage?
  • Which insurance companies are they affiliated with?

Best insurance agency in Covington

When researching a good insurance agency, you need to know there are two types of insurance agents that you can select. Agents are classified as either independent (non-captive) or captive. Both types can insure your vehicles, but it’s good to learn the differences since it can impact the selection process.

Captive Insurance Agents

These agents are contracted to one company like American Family, State Farm and Allstate. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. They receive extensive training in insurance sales which can be an advantage. Some consumers prefer to purchase coverage from captives mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.

Shown below are captive insurance agencies in Covington who can help you get price quote information.

  • Allstate Insurance – 1671 Park Rd # 10 – Covington, KY 41011 – (859) 344-8588
  • State Farm Insurance – 2382 Grandview Dr – Covington, KY 41017 – (859) 331-5003
  • Shelter Insurance – 2372 Grandview Dr – Covington, KY 41017 – (859) 341-5859
Independent Insurance Agents

Independent agencies are not locked into one company but rather can write business amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency. When comparison shopping, we recommend you include at least one independent agent for maximum quote selection. Most have the option of insuring with smaller companies which can be an advantage.

Listed below are Covington independent agencies willing to provide rate quotes.

To view a complete directory of car insurance agents in Covington, visit this link.

Upon getting reasonable responses to all your questions in addition to an acceptable price estimate, most likely you have located an insurance agency that meets your needs to adequately provide car insurance.

Isn’t it cheaper to buy direct from companies like Geico and Progressive?

Insurance agencies are perfect for certain consumers, but you can also find affordable Kentucky auto insurance direct over the internet. Some specific companies, such as State Farm, Allstate and Farmers, who employ agents also let you buy direct online, so keep that in mind and can also potentially find you lower rates.

If you’re apprehensive about not having an insurance agent’s advice when shopping online, that should not be a issue. Online car insurance companies provide toll-free numbers for getting the best coverage. They also make available help pages and frequently asked questions to make it easier to purchase.

Is pricing better online? Many people swear by it, but it’s difficult to answer due to the fact that there are many factors that can increase policy rates. It would make sense to think that a shopper who purchases direct cuts out the middleman. But that assumption is generally incorrect because online and traditional media advertising are expensive so the lack of a commission may be a wash.

More effort can pay off

People switch companies for any number of reasons including high rates after DUI convictions, questionable increases in premium, poor customer service and even policy cancellation. It doesn’t matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.

Affordable car insurance can be purchased both online and with local Covington insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not offer online quoting and these regional insurance providers work with independent agents.

Covington insurance agency

Learn more about car insurance in Kentucky

Additional detailed information can be read at the Kentucky Department of Insurance website. Kentucky consumers can download brochures, find out which companies have the most complaints, find a variety of consumer forms, and learn about insurance regulations.

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