Pricing Comparisons for Lorain Auto Insurance Agencies

When buying auto insurance in Lorain, you have many choices and choosing the right Lorain insurance agency is harder than just calling the closest agent. You require a good agent, but also need the best price on auto insurance.

Insurance companies such as State Farm, Progressive and GEICO increase brand awareness with catchy ads and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

Compare Lorain agent rates online

Educated insurance agents can answer important questions and help submit paperwork. One of the best bonuses of price shopping on the web is you may find lower rates and still have an agent to talk to.

After completing this short form, the coverage information is instantly submitted to local insurance agents in Lorain who will give you bids to get your business. There is no reason to drive around because quoted prices will be sent directly to your email. It doesn’t get any easier!

Choosing an insurance agency needs to be determined by more than just a cheap price. Here are some questions to ask:

  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Which company do they place the most coverage with?
  • Can they give you a list of client referrals?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • If your car is in the repair shop, do you have coverage for a rental car?

Choose an insurance agent wisely

When finding a good Lorain insurance agent, there are a couple of different agency structures to choose from. Agencies in Lorain are classified as either independent or captive. Both properly insure your vehicles, but it’s worth mentioning how they are different because it can influence the selection process.

Captive Agents

Captive agencies can only write with one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. They generally cannot compare other company’s rates so they have no alternatives for high prices. Captive agents are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents.

The following is a short list of captive agents in Lorain who can help you get rate quotes.

Allstate Insurance Co – 120 Antioch Dr – Lorain, OH 44052 – (440) 324-2640
State Farm Insurance – 6155 Park Sq # 5 – Lorain, OH 44053 – (440) 288-5241

Independent Insurance Agents

Independent agents are not employed by any specific company so they can insure your vehicles with many different companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent. When comparing rates, you should always contact multiple independent agents for maximum quote selection.

Below are Lorain independent agencies willing to provide comparison quotes.

Robert Taylor Agency – 2808 W 21st St – Lorain, OH 44053 – (440) 960-2345
Trudy M Ansel Insurance – 825 E Erie Ave – Lorain, OH 44052 – (440) 288-0117
F A Calabrese Agency – 5295 Oberlin Ave # B – Lorain, OH 44053 – (440) 960-2577
Carrion Agency – 4380 Oberlin Ave – Lorain, OH 44053 – (440) 960-7200
Emerich Hammond Insurance – 1063 W 21st St – Lorain, OH 44052 – (440) 245-2108

For a complete listing of auto insurance agents in Lorain, visit this site.

After getting reasonable responses to any questions you have and a low price estimate, you have narrowed it down to a car insurance agent that meets your needs to service your policy.

Are Progressive, GEICO and Esurance cheaper?

Insurance agencies are indespensible for some people, but you can also buy Ohio car insurance from online companies direct. Certain auto insurance companies like Allstate and State Farm that sell primarily through agents also allow you to buy direct online, and online price comparisons are easy if you want to do it yourself.

If you’re uncomfortable with not getting proper coverage when buying direct, that is quite common when buying online the first time. Auto insurance companies that require consumers to choose their own coverages provide options to help you decide which coverages are appropriate.

Do people save by buying online? That is a tough question to answer since there are so many components that influence how your policy is priced. You may think that shopping direct prevents the agent from taking a cut. But that assumption is generally incorrect because advertising budgets are huge so rates may not be all that different from traditional agents.

Lorain car insurance agent

Additional detailed information can be found at the Ohio Department of Insurance website. Ohio drivers can get help finding coverage, learn about specific coverages, and read enforcement actions against agents and companies.

More related Lorain auto insurance information:

Buy online or local, you save

Low-cost auto insurance is definitely available online and also from your neighborhood Lorain agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

Consumers who switch companies do it for many reasons like policy non-renewal, lack of trust in their agent, extreme rates for teen drivers and delays in paying claims. It doesn’t matter why you want to switch choosing a new company can be pretty painless.