Comparing car insurance companies in Fort Thomas, KY can be challenging because there are a lot of options and selecting the best Fort Thomas insurance agency for your needs is harder than just using the same auto insurance agent as your neighbor. You require a good agent that listens to you, and also want to find the cheapest rates you can possibly find.
Many car insurance agents vie for your business, and because of this it can be hard to compare car insurance agents and get the best coverage at the best rates possible.
Buying car insurance locally
Educated insurance agents are trained to spot inefficiencies and help you file claims. The best thing about price shopping on the web is you may find lower rates but also keep your business local.
To help locate an agent, after submitting this simple form, the coverage information is sent to insurance agents in Fort Thomas who will compete for your business. There is no reason to visit any agencies because quoted prices will be sent to the email address you provide. Now that’s easy!
Selecting an auto insurance agent requires more thought than just the price. Agents should be asked these questions:
- How many years of experience in personal lines insurance coverages do they have?
- How long has their agency been open in Fort Thomas?
- How are they compensated?
- Which insurance companies are they affiliated with?
- Do they feel the quoted coverages are adequate?
- Are there any hidden costs in their price quote and does it include driving and credit history?
Not all auto insurance agents are the same
When researching a good insurance agency, you must know there are a couple types of insurance agents from which to choose. Fort Thomas agents are either independent (non-captive) or captive. Both write coverage properly, but it’s worth mentioning the difference between them since it can impact buying decisions.
Captive agents can only place business with one company and examples are State Farm, Allstate and AAA. Captives cannot place coverage with different providers so it’s a take it or leave it situation. Captives receive extensive training on their company’s products which helps them sell insurance even at higher premiums.
Shown below are captive insurance agencies in Fort Thomas who can help you get price quotes.
State Farm Insurance – 90 Alexandria Pike # 12 – Fort Thomas, KY 41075 – (859) 781-5313
Independent Agents (or Brokers)
Independent agencies are not required to write business for one company but rather can write business amongst many companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent.
When comparing rates, it’s recommended you contact at a minimum one independent agency for maximum quote selection.
The following are Fort Thomas independent agents willing to provide comparison quotes.
Fangman’s Insurance Ctr – 1051 S Fort Thomas Ave – Fort Thomas, KY 41075 – (859) 441-7444
Newman Tucker Insurance – 90 Alexandria Pike # 5 – Fort Thomas, KY 41075 – (859) 371-1900
To view a complete directory of Fort Thomas insurance agents, please view this page.
Upon receiving reasonable responses to your questions and an affordable coverage quote, chances are good that you have found an insurance agency that meets your needs to service your policy.
Consider every option when buying coverage
Auto insurance agents are perfect for certain consumers, but you can also buy Kentucky car insurance direct from companies online. Some car insurance companies that are more known for using agents, also permit you to get a quote and buy online, and consumers should do that if you are the do-it-yourself type.
If you’re uncomfortable with not having someone to ask questions, don’t be too concerned. Companies have toll-free phone numbers and other options to answer any questions you may have.
Is pricing better online? That question is hard to answer since there are so many components that influence how your policy is priced. Many people think that going direct prevents the agent from taking a cut. But in most cases, there are high advertising and marketing costs and those expenses can offset most of the savings by selling direct.
More comparisons equals lower rates
As you restructure your insurance plan, never reduce coverage to reduce premium. There have been many situations where an accident victim reduced liability coverage limits and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to buy enough coverage at the best price while not skimping on critical coverages.
Cost effective car insurance can be bought online and with local Fort Thomas insurance agents, and you need to comparison shop both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
Consumer car insurance information in Kentucky
More detailed Kentucky car insurance information can be found at the Kentucky Department of Insurance website. Consumers can file complaints about a company, read state legal mandates and laws, and download brochures.