Free Guide to Searching for a Grove City Insurance Agent

Finding good auto insurance in Grove City can be challenging since you have many choices and finding the best Ohio insurance agent is harder than just making a phone call. For this article’s sake, it’s assumed that not only do you want a friendly agent, but you also need great rates as well.

With companies like American Family, Allstate, State Farm and independent agents all competing for business in Grove City, it’s difficult to determine which will provide the cheapest rates and the best coverage. Fortunately, consumers can get online price quotes to get a list of insurance agents to choose from.

Compare online but buy from a local Grove City agent

Licensed agents can answer important questions and give you peace of mind. One of the great benefits of price shopping on the web is you may find lower rates and still have an agent to talk to. Supporting local insurance agencies is definitely important in Grove City.

To find an agent, once you fill out this quick form, your insurance coverage information is emailed to local insurance agents in Grove City who will compete for your coverage. You won’t need to leave your house since price quotes are sent straight to your inbox. Now that’s easy! Get lower rates and work with a local agent.

Best auto insurance agent in Grove City

When searching for a reputable insurance agent or broker, you need to know there are two types of agencies that differ in how they can insure your vehicles. Insurance agencies in Grove City are either independent or captive.

Independent Insurance Agents

These agents are not required to write business for one company but rather can write business with many different companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency. When shopping rates, it’s recommended you contact several independent insurance agents for the best price selection. Many write coverage with different regional companies which may provide better rates.

Listed below is a list of independent insurance agents in Grove City willing to provide comparison quotes.

  • Ogia Insurance Inc – 5927 Landings Pond Pl – Grove City, OH 43123 – (614) 875-6442
  • Acceptance Insurance Agency – 3064 Southwest Blvd – Grove City, OH 43123 – (614) 277-9444
  • Grove City Insurance – 1600 Gateway Cir – Grove City, OH 43123 – (614) 846-1173
Captive Insurance Agents

This type of agents write business for a single company and some examples include American Family, State Farm and Allstate. These agents are not able to compare other company’s rates so always compare other rates. They are trained well on their products and sales techniques which can be an advantage. Consumers often choose to use a captive agent partially due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Below are captive agents in Grove City that can give you price quote information.

  • State Farm Insurance – 2398 Old Stringtown Rd – Grove City, OH 43123 – (614) 871-0030
  • Allstate Insurance – 3955 Broadway – Grove City, OH 43123 – (614) 871-9711
  • American Family Insurance – 3819 Broadway # A – Grove City, OH 43123 – (614) 871-8729

For a full directory of captive agencies in Grove City, please go to this site.

Deciding on an insurance agent shouldn’t rely on just the bottom line cost. Some important questions to ask are:

  • Are they full-time agents?
  • What insurance companies do they recommend if they are an independent agent?
  • How many years of experience in personal lines insurance coverages do they have?
  • Can they provide you with a list of referrals?
  • Are they able to influence company decisions when a claim is filed?
  • What is the agency’s Better Business Bureau rating?
  • Which company do they place the most coverage with?

After getting reasonable responses to these questions and a good coverage price, you may have just found a car insurance agent that can properly insure your vehicles.

The online alternatives

Car insurance agents are important to many people, but Ohio drivers can also buy direct from companies online. Certain auto insurance companies like Allstate and State Farm who sell through agents in Grove City also let you buy direct on their websites, and that can save time and can also potentially find you lower rates.

If you’re concerned about whether or not you’ll have guidance when buying online, this really isn’t an issue. Auto insurance companies that allow you to purchase coverage all provide contact methods you can use to get advice on coverages.

If the lowest price is important, the best way to know who has the best rates, online companies or local insurance agents, is to take the time to compare rates from both. It’s fairly common that you receive different coverage costs using an online quote and an agent quote returned by the same company.

Is car insurance cheaper online? That is a tough question to answer since there are many things that determine your policy premium. Common logic is that buying car insurance online reduces premiums because there is no agent. But that assumption is generally incorrect because advertising budgets are huge so there may not be significant savings.

More information about auto insurance

Additional information can be found on the Ohio Department of Insurance website found here. Visitors are able to file complaints about an insurance agent or broker, find out industry alerts, and read industry bulletins.

More related Grove City auto insurance information:

Grove City OH independent agents

One last thing

Insureds switch companies for many reasons like an unsatisfactory settlement offer, being labeled a high risk driver, extreme rates for teen drivers and even denial of a claim. No matter why you want to switch, switching auto insurance companies can be easier than you think.

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced full coverage and discovered at claim time that it was a big mistake. Your aim should be to get the best coverage possible at a price you can afford while still protecting your assets.