Mentor Auto Insurance Company Rates Compared

If you’re looking for a good Mentor agent, you can always start your research on the web in order to save time. It’s highly likely you’re not only searching for a friendly agent, but you also want to find great rates as well.

With State Farm, Allstate and Farmers Insurance all competing for business in Mentor, it’s difficult to determine which provider will give you the best rates, service and coverage. Thankfully, consumers can get online quotes in order to build a list of insurance agents and thier coverage prices.

Why do I need an agent?

Agents can answer important questions and give you peace of mind. One of the best bonuses of price shopping on the web is that you can obtain lower rates but also keep your business local. Buying from local insurance agencies is important especially in Mentor.

For easy comparison, once you complete this form (opens in new window), your information is transmitted to participating agents in Mentor who will battle to get your business. There is no need to visit any agencies as quotes are delivered straight to your inbox. Now that’s easy!

The different types of insurance agents

When researching a local agent, you need to know there are two types of insurance agents to choose from. Agents are either captive or independent (non-captive). While both can properly insure your vehicles, but it’s worth mentioning the differences since it may influence the selection process.

Independent Agents

Independent insurance agents are not required to write business for one company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies without you having to go to a different agency.

When comparing rates, you should always include at least one independent agent for maximum quote selection.Most can insure with smaller companies which can save you money.

Shown below are independent insurance agents in Mentor willing to provide competitive price quotes.

  • John Paroubek Agency – 8358 Munson Rd # 104 – Mentor, OH 44060 – (440) 205-9701
  • Daniel Sposito Agency – 9354 Mentor Ave # 15 – Mentor, OH 44060 – (440) 255-1766
  • Slowey Insurance – 7352 Center St – Mentor, OH 44060 – (440) 255-3411
  • Insurance Exchange Agency – 7519 Mentor Ave # 109 – Mentor, OH 44060 – (440) 953-8839
  • Luikart Insurance Inc – 7316 Center St – Mentor, OH 44060 – (440) 974-6700
Captive Insurance Agents

Captive agencies write business for a single company and examples are American Family, Liberty Mutual and AAA. They usually cannot shop your coverage around so they have no alternatives for high prices. Captive agents are usually quite knowledgeable on their company’s products which can be an advantage. Consumers sometimes choose to use a captive agent partially due to high brand loyalty and the convenience of having all coverages with one company.

Below are captive agencies in Mentor willing to provide comparison quotes.

  • Farmers Insurance Group – 9853 Johnnycake Ridge Rd # 107 – Mentor, OH 44060 – (440) 354-5552
  • American Family Insurance – 7750 Reynolds Rd # 208 – Mentor, OH 44060 – (440) 942-9940
  • State Farm Insurance – 7200 Center St – Mentor, OH 44060 – (440) 255-3444
  • Allstate Insurance Co – 7330 Little Mountain Rd – Mentor, OH 44060 – (440) 205-9977

For a full directory of captive agents in Mentor, visit this link.

Selecting an auto insurance agent requires more thought than just the premium amount. Any agent should be forthright in answering these questions:

  • How many years of experience in personal lines insurance coverages do they have?
  • Do they specialize in personal lines coverage?
  • Can glass repairs be made at your home?
  • Does the agency have a good rating with the Better Business Bureau?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Are they full-time agents?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

After receiving positive feedback to all your questions and an acceptable price quote, you’ve probably found an auto insurance agent that can properly service your auto insurance policy.

How do online company rates compare?

Licensed agents are a valuable resource, but Ohio car insurance can also be bought from companies direct over the internet. Some companies, such as Farmers Insurance and State Farm, who employ agents additionally provide the ability to get quotes and purchase online, so that should be considered if you prefer to buy online.

If you’re anxious about not having an agent to talk to, this is a normal reaction for first-time shoppers. Companies provide customer service to help you decide which coverages are appropriate. You may also access online help and live chat to make it easier to purchase.

Can you find lower rates online? The answer is complex due to the fact that there are many factors that can increase policy rates. Common logic is that buying car insurance online saves by not paying a commission. In reality, online and traditional media advertising are expensive and this tends to eat up any savings.

More quotes mean more savings

When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. In many cases, someone sacrificed liability limits or collision coverage and learned later that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at the best price while still protecting your assets.

Budget-conscious auto insurance can be purchased from both online companies as well as from independent agents in Mentor, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

best Mentor agent

Additional resources for Ohio consumers

Additional auto insurance information is available on the Ohio Department of Insurance website located here. Ohio consumers can learn about specific coverages, get help finding coverage, read consumer alerts, and find out industry alerts.

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