Frequently asked questions
Why use an independent agent?
- Unlike other agents, an independent insurance agent is not tied to one insurance company. You don’t need to change agencies as your insurance and service needs change.
- An independent insurance agent treats you like a person, not a number. You can develop a personal relationship with your independent insurance agent. Can you do that with a voice on the phone? Your independent insurance agent has strong customer and community ties.
- An independent insurance agent offers one-stop shopping. Dealing with a direct response company or a captive agent limits you to the plans available through only one company. An independent insurance agent offers many plans through many companies, giving the consumer the potential for the broadest range of coverage at a competitive price. One call puts you in touch with someone who can do the comparison shopping for you.
What is state minimum coverage and is it enough?
Ohio requires every auto owner to carry 12/25/7,500 liability insurance. This covers $12,000 per person, $25,000 per accident, and $7,500 for property damage. If this is what you carry, you are greatly underinsured and your are exposed to lawsuits, liens, and garnishments! For a couple dollars more per month, we can give you insurance that will help protect you and the other driver.
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