Free Guide to Finding a Huber Heights Car Insurance Agent

When buying car insurance in Huber Heights, you have many choices and choosing the right Huber Heights insurance agency is harder than just calling the closest agent. We’re assuming that not only do you want a good agent that listens to you, but you also need the best rates possible.

With companies like State Farm, Allstate and many independent agents all competing for your business, it’s hard to tell which car insurance agent will give you the cheapest rates and the best coverage. To begin, consumers can get online quotes in order to build a list of agents from which to choose.

How to buy car insurance from an agent in Huber Heights

Professional agents can answer important questions and give you peace of mind. The biggest benefit of getting online price quotes is that you can obtain lower rates and still choose a local agent. And providing support for local insurance agencies is important especially in Huber Heights.

By using this form (opens in new window), your coverage information is transmitted to local insurance agents who will return price quotes for your business. You don’t have to visit any agencies due to the fact that quote results will go straight to your inbox. Now that’s easy! You’ll get the best rates AND an agent nearby.

Two types of Huber Heights insurance agents

If you’re trying to find a local agent, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Agents are classified as either captive or independent.

Independent Agents

Independent agencies are not locked into one company but rather can write business with many different companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent. When comparing rates, it’s a good idea to include price quotes from at least one independent agent to have the most options to choose from.

Below are independent agents in Huber Heights who may be able to give you price quotes.

Huber Heights Insurance Svc – 4704 Fishburg Rd – Huber Heights, OH 45424 – (937) 236-1234
Nationwide Insurance – – Huber Heights, OH 45424 – (937) 298-9309
O J Estep Agency – 4756 Fishburg Rd # A – Huber Heights, OH 45424 – (937) 235-5800
Acceptance Insurance Agency – – Huber Heights, OH 45424 – (937) 291-9400

Captive Insurance Agents

This type of agents write business for a single company and some examples include Allstate, AAA, Liberty Mutual and State Farm. These agents are not able to compare other company’s rates so they are skilled at selling on more than just price. They are well schooled on their products and sales techniques and that can be a competitive advantage.

Below are captive agencies in Huber Heights who can help you get rate quotes.

American Family Insurance – 7219 Taylorsville Rd – Huber Heights, OH 45424 – (937) 235-9673
State Farm Insurance – 7069 Taylorsville Rd # D – Huber Heights, OH 45424 – (937) 236-9950

To view a full list of car insurance agents in Huber Heights, please view this page.

Deciding on an insurance agency requires more thought than just a low price. These are valid questions to ask:

  • Are they full-time agents?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Are they properly licensed to sell insurance in Ohio?
  • Can they give you a list of client referrals?
  • Are they able to influence company decisions when a claim is filed?
  • How much will you save each year by using a higher deductible?
  • How many years of experience in personal lines insurance coverages do they have?

Upon getting good answers to all your questions in addition to an acceptable price estimate, most likely you have located an auto insurance agent that will properly service your car insurance policy.

Have you considered online alternatives?

Insurance agencies are indespensible for some people, but Ohio consumers also have the option to buy direct from companies that only sell online. Even companies who have local agents in Huber Heights also allow consumers to buy direct online, so that should be considered.

If you’re anxious about not having someone to ask questions when buying online, that is quite common when buying online the first time. Car insurance companies have toll-free phone numbers and other options for getting questions answered.

Does car insurance cost less online? It’s difficult to provide an answer because there are many factors that influence the price you pay. It’s often assumed that purchasing direct online saves by not paying a commission. But in reality, promoting brand recognition is pricey so this can offset any savings.

The only method to determine whether online companies or local agents have lower rates is to take the time to compare rates from both. You could possible even receive different price quotes from online quotes as they do from local agents returned by the same company. You won’t discover if the company’s rates are lower online or from an agent without getting separate quotes from both ways.

To find out more about Ohio car insurance

More information is located on the website for the Ohio Department of Insurance through this link. Ohio consumers can file complaints about a company, find a variety of consumer forms, and find out which companies have the most complaints.

The articles below may also help you learn more about car insurance in Huber Heights

Smart consumers save more

When shopping online for car insurance, you should never reduce needed coverages to save money. In many cases, drivers have reduced uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Insureds change insurance companies for many reasons like high rates after DUI convictions, lack of trust in their agent, delays in paying claims or even denial of a claim. Regardless of your reason, switching companies can be pretty painless.