Tips for Researching a Mansfield Car Insurance Agent

When finding a good insurance agent in Mansfield, Ohio, you can start your search on the internet instead of calling around. There is a good chance you’re looking for an excellent agent, but you also want the best rates possible.

With insurance companies like Farmers, Allstate, and independent agents all competing for business in Mansfield, it can be hard to know which insurance agency will provide you with the lowest rates and best service. Fortunately, consumers can use insurance quotes online to build a list of insurance agents from which to choose.

Why do I need an agent?

Licensed agents can point out coverage gaps and give you peace of mind. One of the great benefits of comparing rates online is the fact that you can find lower rates but still work with a licensed agent. And supporting local agencies is definitely important in Mansfield.

After completing this quick form, your insurance data is sent to local insurance agents in Mansfield who will return price quotes for your coverage. There is no need to leave your computer due to the fact that quote results will go straight to your inbox. How’s that for easy!

Independent or Captive: It’s your choice

When looking for a good Mansfield insurance agent, there are two different types of agents to choose from. Insurance agencies in Mansfield are classified as either captive or independent (non-captive). Either one can do a good job, but it’s important to know how they are different since it may influence buying decisions.

Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company but rather can write business amongst many companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency. When comparing rates, you should always include price quotes from multiple independent agents to get the best comparison. They often place coverage with lesser-known insurance companies which may provide better rates.

Listed below are independent agencies in Mansfield that may be able to provide pricing information.

  • Harry L Hall Agency – 28 Park Ave W # 707 – Mansfield, OH 44902 – (419) 524-2134
  • Autohio-Mansfield Insurance – 44 Sturges Ave – Mansfield, OH 44902 – (419) 525-7283
  • Cumberland Insurance Group – 380 N Main St – Mansfield, OH 44902 – (419) 525-4443
  • Midland-Hatch Agency – 1221 S Trimble Rd # A3 – Mansfield, OH 44907 – (419) 756-9747
  • Richard Weemhoff Agency – 166 Park Ave W # 201 – Mansfield, OH 44902 – (419) 525-1181
Captive Agents

Captive agents write business for a single company like State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to give you multiple price quotes so they have to upsell other benefits. Captive agencies are trained well in insurance sales which helps them sell insurance even at higher premiums. Consumers often buy insurance from these agents primarily because of high brand loyalty and strong financial ratings.

The following is a short list of captive insurance agencies in Mansfield that can give you price quotes.

  • State Farm Insurance – 775 Lexington Ave # A – Mansfield, OH 44907 – (419) 774-1100
  • Allstate Insurance Co – 1353 Park Ave W – Mansfield, OH 44906 – (419) 529-2313
  • American Family Insurance – 2001 W 4th St – Mansfield, OH 44906 – (419) 529-9904

For a full directory of Mansfield captive insurance agencies, simply jump to this page.

Deciding on an insurance agency requires more thought than just the premium amount. Any agent should have no problem answering these questions:

  • Will their companies depreciate repairs to your car based on the mileage?
  • How much can you save by raising your physical damage deductibles?
  • Are there any discounts that you might be missing?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Which members of your family are coverage by the policy?
  • How are claims handled?
  • What will you get paid if your car is a total loss? How is that amount determined?

After getting acceptable answers and a low price estimate, you’ve probably found an insurance agency that will provide auto insurance coverage.

But what about buying insurance online?

Car insurance agents are a valuable resource, but you also have the option of buying Ohio car insurance directly from online companies. Some companies who sell through agents in Mansfield also give you the option to quote and buy online, so keep that in mind if the lowest rate is your goal.

If you’re concerned about not having someone to ask questions, this is normal but is quickly overcome. Auto insurance companies all provide contact methods to answer any questions you may have.

If you just want to find lower premiums, the most effective way to determine if car insurance prices are lower online or from agents is to make apples-to-apples comparisons of both. It’s not unheard of to actually get different prices from the SAME company when they compare quotes from both.

Can you save money buying online? Whether or not you’ll save is impossible to say because of the number of factors that are calculated into your premium. It’s a common assumption that shopping online for auto insurance saves the cost of an agent commission. But the reality is advertising and marketing take a lot of money and that can cost more than having to pay agents.

Quote often and quote early

People change insurance companies for a variety of reasons including poor customer service, delays in paying claims, high rates after DUI convictions or questionable increases in premium. It doesn’t matter what your reason, finding a new company can be pretty painless.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Mansfield OH car insurance agent

Learn more about Ohio auto insurance

Additional auto insurance information can be read on the Ohio Department of Insurance website. Click here for link. Visitors are able to find out which companies have the most complaints, view agent and company licensing information, learn about insurance regulations, and find a variety of consumer forms.

The following information may also be useful.