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How to Select an Auto Insurance Broker Kentucky

Every state requires that you have at least liability (and sometimes full coverage) insurance coverage on your car. With the cost of auto insurance these days, it is hard to know if there is an insurance agent or insurance broker that you can trust. This guide will give you the lowdown on what to look for when shopping around for auto insurance quotes.

1. Local Companies

2. Auto Insurance Agents

3. Auto Insurance Brokers

4. Experience

5. Featured Local Company

1 . Local Companies

Neil Atcher Agency State Farm
280-352-2255
347 N Wilson Rd
Radcliff, KY

Moulton Insurance, Inc.
(270) 351-4848
315 West Lincoln Trail Blvd
Radcliff, KY

Anderson, Bill - State Farm Insurance Agent
859-744-0830
814 Bypass Road
Lexington, KY

ALLISON & DAMRON INSURANCE
502-227-3055
601 TAYLOR AVE
FRANKFORT, KY

Western Rivers Insurance
270-442-3533
703 Jefferson
Paducah, KY

Western Rivers Insurance
270-442-3533
703 Jefferson St.
Paducah, KY

Al Jones Insurance Agency
859-276-0400
274 Southland Dr Ste 106A
Lexington, KY

Lanco Mortgage
859-868-7401
171 W Lowry Lane #160
Lexington, KY

Keith Renfro State Farm
859-278-8415
3101 Clays Mill Rd Ste 402
Lexington, KY

Renfro, Keith - State Farm Insurance Agent
859-278-8415
3101 Clays Mill Road
Lexington, KY

2 . Auto Insurance Agents

An auto insurance agent may be new to the insurance game. When you first get your license to sell insurance, it is usually as an agent. Later on, with experience and more classes, an insurance agent can become a broker, which will be discussed in the next section.
Auto insurance agents perform all the standard functions that you would expect from someone who sells insurance. They will give you car insurance rates in the form of a car insurance quote; they can sell you a policy and update the policy, and they will be also be the first person that you call should you have to invoke your policy for any reason (such as a traffic or parking ticket, accident, etc.).
An auto insurance agent writes a policy on behalf of the company they work for, the one who is doing the insuring. This is what differentiates them from a broker, who is writing the policy for the people they are actually insuring.

3 . Auto Insurance Brokers

An auto insurance broker differs from an auto insurance agent in several ways. Exactly how much they differ depends on which state you happen to live in. While an auto insurance agent will write a policy for a customer on behalf of a broker, the broker will simply write a policy on behalf of the customer.
In other words, a broker is allowed to have agents working under them, and frequently, they will have their own auto insurance policy business. They are also more heavily regulated than an auto insurance agent would be, since they have a lot more responsibility than a mere agent.

4 . Experience

There are a lot of people who are just starting out in the world of insurance agents. This does not necessarily mean weakness! Most agents work under one or more insurance brokers who have likely been in the business for a very long time. So, even if your potential insurance agent is wet behind the ears, he or she may still have vast amounts of experience and knowledge behind them to rely upon at all times.
It is advisable to either seek out an experienced agent, or one who works under an experienced agent. It is not hard at all to find out how much experience a broker or agency has; all you have to do is ask! In fact, many agents advertise how long they have been in business, simply because it is a sign of strength and knowledge.

5 . Featured Local Company

Neil Atcher Agency State Farm

280-352-2255
347 N Wilson Rd
Radcliff, KY

Read more about How to Select an Auto Insurance Broker

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Advertising	Family	Home Services	Real Estate Resources
Business Services	Fashion	Industrial Goods & Services	Retail & Consumer Services
Career	Financial Services	Insurance	Software
Cars	Food & Beverage	Internet	Technology
Computer Hardware	Franchise	Legal	Telecommunications
Construction	Health	Miscellaneous	Trade Shows
Education	Holidays	Nightlife	Travel
Entertainment	Home Appliances	Online Database	Weddings
Environmental	Home Electronics	Pets	World History