Radcliff Auto Insurance Agents – There is a Difference

When trying to find a good Radcliff agent, we recommend you start your search for an agent online rather than picking up the phone. We’re guessing you’re wanting a friendly agent, but you also want to find affordable coverage.

With companies like American Family, Allstate, State Farm and Farmers all competing for business in Radcliff, consumers have a hard time knowing which one will have the cheapest rates and the best coverage. Thankfully, it’s easy to use online quoting to build a list of insurance agents and price estimates.

Price shop online but buy from a local Radcliff agent

Educated insurance agents are trained to spot inefficiencies and help file insurance claims. The best thing about comparing rates online is you may find the best rates and still have an agent to talk to. And supporting local insurance agencies is important particularly in Radcliff.

To make it easy to find an agent, after completing this short form, the quote information is emailed to local insurance agents in Radcliff who will return price quotes for your coverage. There is no reason to leave your computer because quoted prices will be sent straight to your inbox. It doesn’t get any easier! You can find the lowest rates and work with a local agent.

If you wish to contact a specific insurance agent in Radcliff, please click here.

Choosing a car insurance agent should depend on more than just the price. Here are some questions to ask:

  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • How are claims handled?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • How long have they worked with personal auto insurance coverage?
  • If you have an accident, will your rates go up?

Upon getting good answers in addition to an acceptable price estimate, it’s possible that you found an insurance agency that can provide auto insurance coverage.

But what about buying from online companies?

Insurance agencies serve a purpose, but you also have the option of buying from online companies direct. Certain auto insurance companies like State Farm and Allstate that are more known for using agents, also give you the option to get a quote and buy online. This is something to consider if you don’t want to take the time to contact agents.

If you’re apprehensive about not getting proper coverage, that shouldn’t be an issue. Auto insurance companies have toll-free phone numbers and other options to answer any questions you may have.

Will you save money buying auto insurance online? It’s hard to say exactly due to the fact that there are many factors that determine your policy premium. It’s a logical assumption that a customer who purchases direcly from an online company cuts out the middleman. For the majority of companies, however, getting their brand in front of customers is expensive and this drives up their premium costs.

When trying to find the best rates, the only way to determine where you can get the lowest rate, either online or from agents, is getting rates for as many of both types of providers as possible. It’s even possible to receive different pricing from online quotes as they do from local agents from the exact same provider.

One last thing about your coverage

As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. In many instances, an accident victim reduced full coverage to discover at claim time they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Consumers leave their current company for any number of reasons including questionable increases in premium, delays in paying claims, being labeled a high risk driver or not issuing a premium refund. No matter why you want to switch, finding a great new company can be easier than you think.

Additional information can be found on the website for the Kentucky Department of Insurance found here. Kentucky drivers can find a variety of consumer forms, view a list of available companies, find out industry alerts, and find disaster information.

Additional helpful sites include this site for rates in Kentucky and this link which helps you find a Radcliff agent.