Five Minute Guide to Searching for a Shively Insurance Agent

To locate an insurance agent in Shively, Kentucky, you can start your search by getting online comparison quotes instead of calling around. Most likely you require not only a professional agent, but you also need affordable coverage.

With insurance companies like American Family, Allstate, State Farm and Farmers having offices in Shively, it can be hard to know which auto insurance agent will have the best rates, service and coverage. To begin, it’s easy to use online quoting to build a list of agencies from which to choose.

Save time by quoting online

Insurance agents can answer important questions and help in the event of a claim. One of the best bonuses of comparing rates online is that you can obtain the best rates but still work with a licensed agent. Supporting local businesses is important especially in Shively.

To find an agent, once you fill out this simple form, your coverage information is transmitted to agents in your area who will give you bids for your coverage. There is no need to leave your computer since price quotes are sent straight to your inbox. It doesn’t get any easier! Get lower rates and a licensed agent to work with.

Is a captive or independent insurance agency right for you?

When researching local Shively agents, there are two types of insurance agents from which to choose. Insurance agencies in Shively are categorized either independent (non-captive) or captive.

Independent Agencies or Brokers

Independent insurance agents are not required to write business for one company so they have the ability to put coverage amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies. When comparing rates, you should always include at least one independent agent to ensure the widest selection of prices.

Below are Shively independent insurance agents that are able to give rate quotes.

Wessel Insurance – 4101 Cane Run Rd – Shively, KY 40216 – (502) 448-1625
Seng-Welsh Insurance Inc – 1722 Gagel Ave – Shively, KY 40216 – (502) 448-2222

Agency Captives

This type of agents are contracted to one company like State Farm, AAA and Liberty Mutual. They are unable to place coverage with different providers so it’s a take it or leave it situation. Captives are very knowledgeable in insurance sales which helps them compete with independent agents.

The following is a short list of captive agencies in Shively that can give you price quotes.

Farm Bureau Insurance – 3216 Crums Ln – Shively, KY 40216 – (502) 447-0487
State Farm Insurance – 1906 Crums Ln – Shively, KY 40216 – (502) 448-5436
Allstate Insurance – 5131 Dixie Hwy # B – Shively, KY 40216 – (502) 448-4840

To view a complete directory of Shively captive agents, please view this page.

Picking an insurance agency needs to be determined by more than just the premium amount. Here are some questions to ask:

  • How are they compensated?
  • Are you getting all the discounts the company offers?
  • Will your rates increase after a single accident?
  • What are the financial ratings for the companies they represent?
  • Which members of your family are coverage by the policy?
  • Do they regularly work with personal auto policies?
  • Are claim adjusters local or do you have to take your car somewhere else?

Once you have received good answers to any questions you have and an affordable coverage quote, most likely you have located an auto insurance agent that can provide car insurance coverage.

Buying car insurance direct is an option

Licensed agents are perfect for certain consumers, but you also have the option of buying Kentucky car insurance direct over the internet. Even companies, such as State Farm, Allstate and Farmers, who sell through the agent channel also let you get a quote and buy online, so that should be considered if you prefer to buy online.

If you’re apprehensive about not receiving proper advice when buying online, that should not be a issue. Auto insurance companies that allow you to purchase coverage provide phone numbers and online resources for customer questions.

Will you save money buying auto insurance online? Whether or not you’ll save is impossible to say since companies use quite a few components which can raise or lower premium rates. Some people will tell you that going direct lowers rates due to not having any agent compensation. But in reality, marketing their products costs a lot of money and that impacts the rates consumers pay.

More information can be read on the website for the Kentucky Department of Insurance found here. Kentucky consumers can read enforcement actions against agents and companies, learn about insurance regulations, download brochures, and find out industry alerts.

Cheaper insurance is a realistic goal

Affordable car insurance can be found both online and also from your neighborhood Shively agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not provide online quoting and most of the time these small insurance companies sell through independent agents.

As you prepare to switch companies, do not buy less coverage just to save a little money. There are many occasions where an insured dropped uninsured motorist or liability limits and learned later they didn’t have enough coverage. The aim is to purchase plenty of coverage at the best price while not skimping on critical coverages.