Frankfort Insurance Agents – Which is Right for You?

If you’re looking for a licensed insurance agent in Frankfort, we recommend you do an initial search on the internet rather than looking in the yellowpages. Consumers require a professional licensed agent, and also want to find affordable rates.

With so many companies to choose from, it can be impossible to find the cheapest car insurance company.

Why do I need an agent?

Professional agents are trained to spot inefficiencies and help file insurance claims. The best thing about price shopping on the web is you may find better rates but also keep your business local.

To find an agent, once you fill out this short form, your insurance data is transmitted to agents in your area who will battle for your business. There is no reason to even leave your home due to the fact that quote results will go straight to your inbox. It doesn’t get any easier!

Choosing an insurance agency should depend on more than just the bottom line cost. Agents should be asked these questions:

  • If you are a high risk driver, do they have special markets for your coverage?
  • Can they give you a list of client referrals?
  • Are they full-time agents?
  • How often do they review policy coverages?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • How long has their agency been open in Frankfort?
  • Do they regularly work with personal auto policies?

Frankfort auto insurance agents are either independent or captive

When researching a reputable insurance agent or broker, you need to know there are two types of insurance agents from which to choose. Agencies in Frankfort are classified as either captive or independent. Either one can do a good job, but it’s good to learn how they differ because it can impact your agent selection.

Agency Captives

Captive insurance agents write business for a single company such as Farmers Insurance or State Farm. These agents are not able to shop your coverage around so they are skilled at selling on more than just price. They are very knowledgeable on the products they sell which can be an advantage. Some people will only buy insurance from these agents primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.

The following are Frankfort captive agents who may provide you with price quote information.

  • State Farm Insurance – 700 Ridgeview Dr # A – Frankfort, KY 40601 – (502) 695-8888
  • Shelter Insurance – 73 C Michael Davenport Blvd – Frankfort, KY 40601 – (502) 352-2721
Independent Agencies or Brokers

Independent insurance agents are not required to write business for one company but rather can write business with any number of different companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part. When shopping rates, it’s a good idea to get quotes from at least one independent agent to ensure the widest selection of prices.Most can insure with smaller regional carriers which can be an advantage.

The following are Frankfort independent insurance agents willing to provide rate quotes.

  • Richards Insurance Inc – 215 Saint Clair St – Frankfort, KY 40601 – (502) 223-1636
  • R B Brown Insurance Inc – 949 Louisville Rd – Frankfort, KY 40601 – (502) 875-1301

To view a complete directory of car insurance agents in Frankfort, please go to this site.

After receiving reasonable responses for all questions you ask and locked in a price quote, you have narrowed it down to a car insurance agent that meets your needs to properly insure your vehicles.

Don’t forget about online-only companies

Insurance agencies are perfect for certain consumers, but you also have the option of buying Kentucky car insurance direct over the internet. Some car insurance companies who sell through agents in Frankfort also give you the ability to buy direct online, so keep that in mind if you’re trying to lower your rates.

If you’re concerned about not having an agent to talk to, that should not be a issue. Online companies give you access to trained agents to answer your questions.

Are online rates lower? That question is hard to answer because there are so many things that influence your rates. Common sense would say that going direct saves money because there is no agent involvement. For most online online companies, however, marketing their products costs a lot of money so the rates may be similar to buying from an agent.

A little work can save a LOT of money

As you go through the steps to switch your coverage, never reduce needed coverages to save money. In many instances, consumers will sacrifice liability coverage limits and learned later that the savings was not a smart move. Your strategy should be to find the BEST coverage at the best price, not the least amount of coverage.

Kentucky insurance agency

Budget-conscious car insurance can be purchased online in addition to many Frankfort insurance agents, so compare prices from both so you have a total pricing picture. A few companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

Additional car insurance links

More detailed Kentucky car insurance information is available at the Kentucky Department of Insurance website. Kentucky consumers can file complaints about an insurance agent or broker, read enforcement actions against agents and companies, find out which companies have the most complaints, and download brochures.