When searching for a good Strongsville agent, it’s recommended you start your search by comparing rates online in order to save time. The chances are good that not only do you want a competent insurance agent, but you also want to find the lowest possible price.
With insurance companies like State Farm, Allstate and many independent agents all competing for your business, it’s hard to tell which will have the best service and rates. Fortunately, you can use online quoting to get a list of agents to choose from.
Price shop online but buy from a local Strongsville agent
Agents can help determine the best coverages and give you someone to call. The best thing about comparing insurance prices online is the fact that you can find the best rates and still choose a local agent. And providing support for small agencies is definitely important in Strongsville.
For easy comparison, once you complete this form (opens in new window), your insurance data is transmitted to companies in Strongsville who will give you bids for your business. You never need to even leave your home because quoted prices will be sent to the email address you provide. It doesn’t get any easier! You can find the lowest rates AND an agent nearby.
Different types of Strongsville car insurance agents
When finding a reputable insurance agent or broker, you must know there are a couple different agency structures from which to choose. Insurance agencies in Strongsville are classified as either independent (non-captive) or captive.
Independent Agents (or Brokers)
Independent insurance agents are not locked into one company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage and you won’t have to switch agencies. When searching for an agent, you should always get quotes from at a minimum one independent agency for the best price selection.
Listed below is a list of independent insurance agencies in Strongsville who can help you get pricing information.
John Graff Agency – 20888 Royalton Rd – Strongsville, OH 44149 – (440) 234-8333
Lea Ames Agency – 10750 Pearl Rd # E6 – Strongsville, OH 44136 – (440) 268-9744
American National Insurance Co – 13117 Prospect Rd – Strongsville, OH 44149 – (440) 572-6050
Nationwide Insurance – 20888 Royalton Rd – Strongsville, OH 44149 – (440) 572-4211
John Graff Agency – 18563 Royalton Rd – Strongsville, OH 44136 – (440) 234-8333
Captive Insurance Agents
These agents are contracted to one company like State Farm, AAA, Farmers Insurance or Allstate. They are unable to provide prices from multiple companies so always compare other rates. They are very knowledgeable on their products and sales techniques and that can be a competitive advantage.
Below are captive insurance agencies in Strongsville willing to provide price quote information.
Allstate Insurance Co – 20898 Drake Rd – Strongsville, OH 44149 – (440) 572-2202
To view a full list of car insurance agents in Strongsville, please click here.
Picking an insurance agent shouldn’t rely on just a cheap price. These are valid questions to ask:
- Are they properly licensed to sell insurance in Ohio?
- If you are a high risk driver, do they have special markets for your coverage?
- What insurance company do they write the most business with?
- Do they assist clients in filing claims?
- How long have they worked with personal auto insurance coverage?
Upon receiving answers to your satisfaction to all your questions as well as a affordable price, most likely you have located an insurance agency that can provide car insurance coverage.
What if I want to shop online?
Licensed agents are perfect for certain consumers, but Ohio consumers also have the option to buy directly from online companies. Even companies, such as State Farm, Allstate and Farmers, who sell through the agent channel also allow consumers to quote and buy online, so keep that in mind if finding the best price is important.
If you’re anxious about not getting advice from an agent when buying car insurance direct, this really isn’t an issue. Auto insurance companies that allow you to purchase coverage give you access to trained agents to help you decide which coverages are appropriate.
Are online companies cheaper? The answer is complex because there are many factors that influence the price you pay. Common logic is that buying directly from the company reduces premiums because there is no agent. But in most cases, getting their brand in front of customers is expensive and those expenses can offset most of the savings by selling direct.
When shopping for low rates, the only way to find out if agents have better prices than online companies is to take the time to compare rates from both. You could possible even receive different price quotes from online quotes as compared to agent rates returned by the same company. But it’s impossible to know whether online or agents have the lower rates unless you actually compare identical quotes from both.
For more Ohio car insurance information
Much more information about car insurance in Ohio is available on the website for the Ohio Department of Insurance found here. Ohio consumers can file complaints about a company, find a variety of consumer forms, find disaster information, and learn about insurance regulations.
The following articles may also be useful.
In Summary
As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.
Insureds leave their current company for a number of reasons such as policy cancellation, being labeled a high risk driver, questionable increases in premium or high prices. Whatever your reason, switching companies is not as difficult as it may seem.
