How to Get the Best Price from Berea Car Insurance Companies

When finding an insurance agent in Berea, KY, you can always start your search online in order to save time. Consumers need a good agent that listens to you, but also the cheapest rates you can possibly find.

Insurance companies such as GEICO, Farmers Insurance and State Farm constantly bombard you with advertising and it is challenging if not impossible to ignore the promise of big savings and take the time to shop coverage around.

Buying car insurance locally

Professional agents can answer important questions and help file insurance claims. One of the great benefits of comparing rates online is you may find better rates but still work with a licensed agent.

Once you complete this short form, the coverage information is submitted to insurance agents in Berea who will return price quotes for your insurance coverage. You never need to even leave your home due to the fact that quote results will go to your email. Now that’s easy!

Choosing a car insurance agent should depend on more than just the price. Any agent should have no problem answering these questions:

  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Will your rates increase after a single accident?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Does the agency have a good rating with the Better Business Bureau?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • Is working in the agency their full-time job?
  • Do they carry Errors and Omissions coverage?
  • Which members of your family are coverage by the policy?

Is a captive or independent insurance agency right for you?

When researching a reliable agent, there are two different agency structures to choose from. Agents are classified as either independent or captive. Either one can do a good job, but it’s good to learn the difference between them since it can impact your selection of an agent.

Captive Agents

This type of agents work for only one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. They usually cannot place coverage with different providers so it’s a take it or leave it situation. Captive agencies are very knowledgeable in insurance sales which helps them compete with independent agents. Consumers frequently buy insurance from these agents primarily because of the brand legacy and the convenience of having all coverages with one company.

The following is a list of captive insurance agents in Berea who may provide you with price quote information.

  • Farm Bureau Insurance – 307 Richmond Rd N # 25 – Berea, KY 40403 – (859) 986-2318
  • State Farm Insurance – 700 Chestnut St – Berea, KY 40403 – (859) 986-2371
  • Shelter Insurance – 292 Glades Rd # 2 – Berea, KY 40403 – (859) 986-1979
Independent Agents (or Brokers)

These agents are not employed by any specific company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies.

When comparing rates, you should always get quotes from several independent insurance agents to ensure the widest selection of prices.Most can insure with smaller regional carriers which can be an advantage.

Below are independent agencies in Berea that are able to give price quotes.

  • L Marion Oliver Insurance – 301 Chestnut St # 1 – Berea, KY 40403 – (859) 986-3491
  • Aflac Insurance – 2076 Mckee Rd – Berea, KY 40403 – (859) 985-9381

To view a complete directory of Berea insurance agents, please go to this site.

After receiving acceptable answers and an affordable coverage quote, it’s possible that you found an insurance agent that will provide car insurance coverage.

Don’t forget about online companies

Professional insurance agents are indespensible for some people, but you also have the option of buying Kentucky car insurance direct over the internet. A few companies who have local Berea agents also let you buy direct online. This is something to consider to possibly find a better rate.

If you’re uncomfortable with not getting proper coverage, don’t be too concerned. Insurance companies all have client service departments to walk you through the process. You can also use anytime access to help and a customer research section you can access prior to buying.

Is online auto insurance cheaper? It’s difficult to say for sure because there are many factors that can increase policy rates. It’s a common assumption that shopping online for auto insurance saves the commission normally paid to an agent. But that assumption is generally incorrect because the cost of constant advertising is expensive and those expenses can offset most of the savings by selling direct.

Additional reading for car insurance information

More tips and info about car insurance can be found at the Kentucky Department of Insurance website. Visitors are able to learn about insurance regulations, view a list of available companies, file complaints about a company, and read industry bulletins.

The following information may also be useful.

Berea Kentucky independent agents

Smart consumers save more

The cheapest car insurance is definitely available both online as well as from independent agents in Berea, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.

As you restructure your insurance plan, it’s not a good idea to buy less coverage just to save a little money. In many instances, an insured cut uninsured motorist or liability limits to discover at claim time that it was a big mistake. The ultimate goal is to find the BEST coverage at the best price.