Find the Best Insurance Agent in Nicholasville

To locate a licensed insurance agent in Nicholasville, you can always start your research on the internet rather than looking in the yellowpages. It’s assumed you’re wanting a competent insurance agent, but you also want to find great rates as well.

With companies like State Farm, Allstate, Farmers and independent agents all competing for your business, consumers have a hard time knowing which insurance agency will have the best service and rates. To help decide, you can use online quoting to assemble a group of agents from which to choose.

Car Insurance through a local Nicholasville agent

Agents can help determine the best coverages and help submit paperwork. The biggest benefit of comparing rates online is you may find the best rates but still work with a licensed agent. Buying from local insurance agencies is important especially in Nicholasville.

Upon completion of this short form, your insurance coverage information is immediately sent to local insurance agents who will battle for your business. You won’t need to drive around because quoted prices will be sent immediately to your email address. How’s that for easy! Get lower rates without the usual hassles of price shopping.

How to choose the best car insurance agent in Nicholasville

When looking for a good insurance agency, there are a couple of different agency structures to choose from. Agents are categorized either captive or independent.

Independent Agents

Independent agents are not employed by any specific company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency. When comparing rates, we recommend you include multiple independent agents to get the best comparison. They often place coverage with smaller regional carriers who may have lower rates.

Below are independent agencies in Nicholasville who may be able to give you rate quotes.

  • Classic Insurance Inc – 300 Woodridge Dr – Nicholasville, KY 40356 – (859) 223-7700
  • Ridenour Insurance – 1045 Durham Ln – Nicholasville, KY 40356 – (859) 881-3183
Agency Captives

Captive agencies can only write with one company and some examples include American Family, Liberty Mutual and AAA. Captives cannot shop your coverage around so it’s a take it or leave it situation. Captive agents are trained well on the products they sell which helps them sell insurance even at higher premiums. Some people will only choose to use a captive agent primarily because of high brand loyalty and solid financial strength.

The following is a list of captive insurance agents in Nicholasville willing to provide comparison quotes.

  • Allstate Insurance – 171 N Main St – Nicholasville, KY 40356 – (859) 873-6230
  • Shelter Insurance – 847 S Main St – Nicholasville, KY 40356 – (859) 885-4409
  • State Farm Insurance – 872 Wilmore Rd – Nicholasville, KY 40356 – (859) 885-5884
  • Farm Bureau Insurance – 614 N Main St – Nicholasville, KY 40356 – (859) 885-4731

To view a full list of captive insurance agents in Nicholasville, go to this page.

Choosing an insurance agency should depend on more than just the price. Any agent should be forthright in answering these questions:

  • Do they specialize in personal lines coverage?
  • How much can you save by raising your physical damage deductibles?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • How many years of experience in personal lines insurance coverages do they have?
  • Who are their largest clients?
  • Which company do they place the most coverage with?

After receiving answers to your satisfaction to these questions and locked in a price quote, most likely you have located an insurance agent that is a good match to provide car insurance coverage.

Can you find lower rates by buying online?

Local insurance agents are perfect for certain consumers, but Kentucky consumers also have the option to buy direct from companies online. Some specific companies who have local agents in Nicholasville also permit you to get a quote and buy online, so keep that in mind if you are the do-it-yourself type.

If you’re uncomfortable with not having professional advice when buying direct, this really isn’t an issue. Online companies provide phone numbers and online resources that you can contact for information. They also make available live chat and online tools you can access prior to buying.

Will buying online save you money? It’s difficult to say for sure due to the fact that there are many factors that determine the price you pay. It’s logical to say that shopping online for auto insurance saves the commission normally paid to an agent. But that assumption is generally incorrect because there are high advertising and marketing costs and that impacts the rates consumers pay.

Additional car insurance information is available on the Kentucky Department of Insurance website found here. Consumers can read state legal mandates and laws, file complaints about a company, find out which companies have the most complaints, and read consumer alerts.

The following information may also be useful.

best Nicholasville KY agent

Affordable insurance is out there

Budget-conscious car insurance can be purchased from both online companies as well as from independent agents in Nicholasville, so compare prices from both to have the best chance of lowering rates. A few companies don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Insureds change insurance companies for a number of reasons such as delays in responding to claim requests, unfair underwriting practices, lack of trust in their agent or being labeled a high risk driver. Whatever your reason, choosing a new insurance company can be less work than you think.