Consumers Guide to Finding a Toledo Insurance Agent

Comparing auto insurance companies in Toledo, OH can be challenging because finding the best Ohio car insurance agent takes more work than just picking up the phone. Consumers require a professional agent, and also the best price on auto insurance.

Multiple insurance agencies compete to insure your vehicles, and because of this it can be hard to compare auto insurance agents and uncover the absolute lowest rate

Your insurance agent down the street

Educated insurance agents can help determine the best coverages and give you peace of mind. The best thing about getting online price quotes is you can get better rates but still work with a licensed agent.

To help locate an agent, after submitting this simple form, your information is instantly submitted to companies in Toledo who will compete to get your business. You never need to leave your house because quoted prices will be sent immediately to your email address. Now that’s easy! You can find better rates AND a local agent.

Selecting an insurance agent needs to be determined by more than just a low price. Agents should be asked these questions:

  • What is the agency’s Better Business Bureau rating?
  • Are they able to influence company decisions when a claim is filed?
  • Are claims handled at the agent’s location?
  • How much can you save by raising your physical damage deductibles?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • How long has their agency been open in Toledo?
  • Is vehicle damage repaired with OEM or aftermarket parts?

Shown below are agents in Toledo that are able to give rate quotes.

  • Allstate Insurance Co – 5330 Heatherdowns Blvd # 203, Toledo, OH 43614 – (419) 867-8887
  • Nationwide Insurance – 7110 W Central Ave, Toledo, OH 43617 – (419) 841-9036
  • Payak Insurance – 2700 Tremainsville Rd, Toledo, OH 43613 – (419) 472-6075
  • State Farm Insurance – 3540 Secor Rd # 304, Toledo, OH 43606 – (419) 531-4800
  • Farmers Insurance Group – 4351 Beverly Dr, Toledo, OH 43614 – (419) 861-1196
  • Liberty Mutual Insurance – 3450 W Central Ave # 354, Toledo, OH 43606 – (419) 578-2438
  • Brandow Agency Inc – 2015 Scottwood Ave, Toledo, OH 43620 – (419) 255-3210

To view a complete directory of licensed insurance agents in Toledo, please click here.

Once you have positive feedback for all questions you ask and an acceptable price quote, chances are good that you have found a car insurance agent that meets your needs to service your policy.

Do online auto insurance companies have better rates?

Auto insurance agents are important to many people, but Ohio consumers also have the option to buy direct over the internet. A few companies that are more known for using agents, additionally provide the ability to quote and buy online, so this should also be taken into consideration as an alternative to contacting agents.

If you’re uneasy about selecting your own policy coverages when buying online, don’t sweat it. Auto insurance companies that require consumers to choose their own coverages provide options to answer your questions. Most companies also provide live chat and online tools so you can feel comfortable buying online.

Can you find lower rates online? Many people swear by it, but it’s difficult to answer because of the number of factors which can adversely affect your policy premium. Common logic is that buying online lowers rates due to not having any agent compensation. But truthfully, it’s expensive to advertise and this tends to eat up any savings.

Summing up your auto insurance search

As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. In many cases, consumers will sacrifice liability coverage limits only to find out that the small savings ended up costing them much more. Your aim should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Cheap auto insurance can be found online and with local Toledo insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.

To learn even more about auto insurance

More tips and info about auto insurance can be found at the Ohio Department of Insurance website. Consumers can read state legal mandates and laws, get help finding coverage, read enforcement actions against agents and companies, and discover disciplinary actions.

Find an agent in Ohio

The following information may also be useful.