If you’re trying to find a good Elyria agent, it’s recommended you do the preliminary legwork on the web rather than looking in the yellowpages. Consumers need a good agent that listens to you, but also need the cheapest rates you can possibly find.
Drivers have multiple car insurance agents to buy insurance from, and though it is a good thing to have a choice, so many choices can make it hard to find the lowest cost provider.
Online quotes with a local Elyria insurance agent
Good agents can answer important questions and help you file claims. One of the best bonuses of comparing insurance prices online is the fact that you can find lower rates and still have an agent to talk to.
After filling out this simple form, your insurance data is sent to participating agents in Elyria 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 directly to your email. Now that’s easy! You can find the lowest rates and work with a local agent.
Picking an insurance agency should depend on more than just the premium amount. Here are some questions to ask:
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do the companies they represent have a solid financial rating?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Who are their largest clients?
- Does the agency provide any after hours assistance?
- Is the agent and/or agency licensed to do business in Ohio?
Pick the best car insurance agent in Elyria for you
When finding local Elyria agents, there are two types of insurance agents from which to choose. Agencies in Elyria are classified as either captive or independent.
Captive Insurance Agents
These agents have only one company to place business with and examples are State Farm or Allstate. They are unable to shop your coverage around so always compare other rates. These agents are well schooled on the products they sell which can be an advantage.
Below is a short list of captive agents in Elyria that can give you price quotes.
American Family Insurance – 42064 Helen St – Elyria, OH 44035 – (440) 324-2132
State Farm Insurance – 445 Griswold Rd # A – Elyria, OH 44035 – (440) 324-2552
Allstate Insurance – 815 Lake Ave – Elyria, OH 44035 – (440) 322-6881
Independent Agents (or Brokers)
Independent agencies are not required to write business for one company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part. When comparison shopping, we recommend you include at a minimum one independent agency to have the most options to choose from.
Listed below is a short list of independent insurance agencies in Elyria that can give you price quote information.
Schlather Insurance Inc – 900 E Broad St – Elyria, OH 44035 – (440) 284-1000
Sommers Agency Inc – 42815 N Ridge Rd – Elyria, OH 44035 – (440) 233-7131
All-Drivers Agency – 580 Cleveland St – Elyria, OH 44035 – (440) 366-6440
Saint Marie Agency Inc – 208 Cleveland St – Elyria, OH 44035 – (440) 365-9313
Nationwide Insurance – 1100 N Abbe Rd – Elyria, OH 44035 – (440) 934-6577
To view a complete directory of auto insurance agents in Elyria, go to this page.
After receiving answers to your satisfaction to these questions and an affordable coverage quote, you may have just found a car insurance agent that is a good match to provide auto insurance coverage.
Online companies should be compared
Car insurance agents are a valuable resource, but you can also find affordable Ohio auto insurance direct from companies online. Certain auto insurance companies like State Farm and Allstate who sell through agents in Elyria also let you quote and buy online, and that is helpful if you want to do it yourself.
If you’re uncomfortable with selecting your own policy coverages when buying direct, that shouldn’t be an issue. Car insurance companies that require consumers to choose their own coverages provide options to answer your questions. Consumers also can use live help and an extensive research center to help you make a buying decision.
Can online rates save money? Many people swear by it, but it’s difficult to answer since there are many things that are calculated into your premium. Many people think that shopping direct cuts out the agent as a middleman. But in reality, advertising budgets are huge so there may not be significant savings.
If you’re not set on any one company, the best way to find out if the best rates are online or from local agents is to make apples-to-apples comparisons of both. It’s possible to get different rates when using both online and agent quotes from the same insurance company.
In the end, you save
When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where an insured cut physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The aim is to buy a smart amount of coverage at a price you can afford while still protecting your assets.
Insureds who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, not issuing a premium refund, delays in responding to claim requests and even high rates after DUI convictions. Regardless of your reason, finding a new auto insurance company is easier than you think.
More information about auto insurance
Additional detailed information can be read at the Ohio Department of Insurance website. Ohio consumers can learn about insurance regulations, read consumer alerts, and read enforcement actions against agents and companies.
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