Best Local Car Insurance Agencies 2022
HN Insurance Services
HN Insurance Services is a full service independent insurance agency and broker in Atlanta, Georgia that provides auto insurance for businesses. HN Insurance specializes in providing commercial auto insurance to protect businesses from liability associated with operation of owned, non-owned, and hired motor vehicles that may include tractors, trailers, automobiles, trucks, and vans. The company also offers life insurance, health insurance, and insurance coverage for the real estate industry as well as bonding construction companies and contractors. HN Insurance Services is a member of the Harry Norman Realtors Family of Services.
Viall Insurance Agency
Viall Insurance Agency in Peachtree, Georgia, sells auto insurance in the Atlanta metropolitan area. Founded in 1972, Viall Insurance Agency provides auto insurance for both personal and commercial customers that includes both collision and comprehensive coverage, uninsured motorist coverage, and protection against liability as well as optional coverage for towing, roadside assistance, and reimbursement for rental vehicles. Commercial coverage includes higher liability coverage. The agency offers a wide array of personal and commercial insurance products, and it's a Trusted Choice independent agency that offers products from a variety of carriers.
CBIZ
CBIZ is a professional service provider located in Alpharetta, Georgia, that serves the greater Atlanta area. The company offers auto insurance and auto dealership insurance that includes comprehensive, collision, property damage, and bodily injury coverage. Professionals at the firm work to match clients with the best auto insurance for their needs. The company also offers financial and accounting services that can help clients minimize tax and maximize profitability or implement a more efficient payroll system. CBIZ agents can help with benefits and insurance services to reduce company risk.
LG Insurance Group
Headquartered in Marietta, Georgia, LG Insurance Group has been assisting clients in Georgia with auto insurance since 2015. This company helps clients navigate the complex auto insurance requirements in Georgia and partners with the best carriers to tailor auto coverage to clients' individual situations. LG Insurance Group carefully analyzes variables, such as drivers' ages, gender, and driving records, to provide clients with the most suitable insurance policies for their cars, trucks, motorcycles, and recreational vehicles. This company also assists clients with homeowners, umbrella liability, and flood insurance, and clients consistently make a note of the friendly, professional service.
Complete Insurance Service, Inc.
Based in Norcross, Complete Insurance Service Inc. provides various insurance and financial services in the Atlanta metro. As a car insurance agency, it offers basic to customized auto insurance coverage that caters to clients' needs. Such premiums include coverage for collisions, comprehensive (which covers theft, fires, wild animal damage), liability (for causing collision accidents), and medical payments. Complete Insurance Service Inc. also offers packages for home, medical, and life insurance.
InsurancePM
InsurancePM is a family-owned and family-operated agency serving clients in Atlanta and nearby areas. It offers car insurance policies that provide coverage options for medical expenses, bodily injuries, and vehicle and property damage liabilities. As an independent agency, it partners with several insurance carriers to offer products and services that match the needs and financial situations of clients. John D'Angelo, an accountant, and his wife, Amore, established the agency in 2018 to manage the whole insurance portfolio of clients covering personal and commercial lines.
Berger & O'Neal Insurance Group
Berger & O'Neal Insurance Group serves clients in Alpharetta and throughout Atlanta, Georgia. It's an independent brokerage that's locally-owned and operated and its agents have more than 150 years of combined experience. Policies are carried by well-known insurance companies, such as The Hanover Insurance Group, Infinity, Liberty Mutual, and StateAuto Insurance Companies. Each auto insurance policy includes liability and no-fault coverage, and customers have the option to include collision and comprehensive coverage to their plan. In addition to auto insurance, Berger & O'Neal Insurance Group offers homeowners, renters, business, life, and specialty insurance.
Metro Brokers Insurance
Metro Brokers Insurance is an independently operated insurance agency based in the Atlanta, Georgia, metro area, with over 40 years of experience assisting drivers at more than two dozen locations throughout the state. Coverage specialists search through several top insurance carriers to find the best policies at competitive rates for liability and collision and comprehensive plans that pay for vehicle repairs and replacements following damage from accidents, weather, theft, and vandalism. The company also offers boat, jet ski, motorcycle, ATV, home, rental property, personal umbrella, and vacant home insurance. Clients with multiple policies may qualify for discounts.
Dickerson Agency, Inc.
Dickerson Agency Inc. is an independent insurance agency from Kennesaw, Georgia, that provides auto insurance amongst its portfolio of personal and business policies. Serving the Atlanta metro area, the agency has found and shaped personal and commercial auto insurance policies for its clients since 1969. It scans each policy to ensure there are no gaps in their client's coverage and doesn't charge a fee for the service, being compensated by the insurance provider. Coverage can include liability and collision/comprehensive insurance for single cars or multi-vehicles in a family or across a fleet of vehicles with multiple drivers.
Fenix Risk Management
Founded in 2017 by experienced professionals, Fenix Risk Management is an independent insurance agency based in Alpharetta, Georgia, serving the Atlanta metro area and beyond. The agency provides its personal and commercial clients with objective and supportive advice, helping them find the best auto insurance policies for themselves, families, or businesses. It ensures their policies include mandatory coverage like bodily injury liability, and talks them through recommended add-ons like comprehensive coverage, and optional add-ons like towing and labor costs. Fenix Risk Management is also licensed to sell personal and commercial insurance in Alabama, Florida, Tennesse, Kentucky, Texas, New Jersey and the Carolinas.
Expert Answers To Common Questions:
- Introduction
- What is car insurance?
- How does car insurance work?
- What does car insurance cover?
- Does car insurance cover theft?
- How does a car insurance deductible work?
- Do you need insurance to register a car?
- Can you get car insurance without a license?
- Do you need car insurance?
- How much is car insurance a month?
- Why is my car insurance so high?
- How can I get lower car insurance?
- Do you need insurance to rent a car?
- Does my car insurance cover rental cars?
- Can I insure a car not in my name?
- Can you cancel car insurance at any time?
- How can I change car insurance?
- How do you become a car insurance agent?
- How do car insurance agents get paid?
- How much do car insurance agents make?
- Q: Introduction
- A: A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
- Q: What is car insurance?
- A: Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.
- Q: How does car insurance work?
- A: Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.
- Q: What does car insurance cover?
- A: Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.
- Q: Does car insurance cover theft?
- A: Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.
- Q: How does a car insurance deductible work?
- A: A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.
- Q: Do you need insurance to register a car?
- A: Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.
- Q: Can you get car insurance without a license?
- A: In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.
- Q: Do you need car insurance?
- A: Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.
- Q: How much is car insurance a month?
- A: Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.
- Q: Why is my car insurance so high?
- A: Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.
- Q: How can I get lower car insurance?
- A: Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.
- Q: Do you need insurance to rent a car?
- A: In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.
- Q: Does my car insurance cover rental cars?
- A: Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.
- Q: Can I insure a car not in my name?
- A: In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.
- Q: Can you cancel car insurance at any time?
- A: In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.
- Q: How can I change car insurance?
- A: Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.
- Q: How do you become a car insurance agent?
- A: In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.
- Q: How do car insurance agents get paid?
- A: Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.
- Q: How much do car insurance agents make?
- A: Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.
