Save Big on Auto Insurance: Find Top Agents Near You

Auto Insurance Agents

Are you looking at another rate increase, even though your vehicle is getting older?

You’ve called your auto insurance agent to find out why, but they can only tell you, "it’s a statewide rate increase."

You are NOT getting any tickets or involved in accidents, but every renewal rates keep going higher and higher, with no real explanation.

We understand your frustration

Often, you are paying higher rates because of the accidents of other customers, and it’s not fair.

The reason is poor underwriting by your current auto insurance company. Drivers with a higher likelihood of having accidents are in that company at lower rates.

If you’re a good driver, why should you be subsidizing poor drivers with higher car insurance premiums?

The simple answer is you don’t.

If you’re stuck with a captive car insurance agent like Allstate, Farmers, State Farm, etc. You DON'T have choices if rates go up. 

Unfortunately, about the only thing these agents can do is adjust your insurance coverage's lower or raise your out-of-pocket deductible. 

If you lower liability limits or increasing your out-of-pocket deductible, it's not helping you and putting at more financial risk.

Don’t risk having low liability limits and losing more than your car to a claim. Reducing your liability limits means you might put yourself and family in financial risk.  A million dollar claim is not as rare as you might think.

Increasing your out-of-pocket deductible or an accident isn’t a solution either if you have to pay twice as much for a claim to get your car fixed.

We suggest - shopping for other auto insurance companies for more affordable rates

Now, I know what you’re thinking…

What a pain in the...

Calling several insurance companies and give the same info over and over.

You pretty much need a spreadsheet to repeat yourself over and over again when calling different insurance agents for quotes.  Only to find out the rates are the same or higher than what you’re currently paying.

Name, Address, Phone, Email
Year, Make, Model for each vehicle
Annual miles
How far to school or work each way
Serial number or VIN
Was the vehicle purchased new or used
Drivers info - Name, D.O.B., DL # 
Any tickets or accidents
Loan info, each vehicle
Current liability limits

Insurance agents can't find you lower auto insurance rates

Why do I have to keep giving the same info over and over just to get a quote?

What if there was a better way?

A faster way
An easier way

Try Car Insurance Brokers in My Area

A way that you provide your information one time and the searches come back with multiple companies and rates.

Would that help or make your life a little easier?

  • Welcome to the future

Independent Auto Insurance Agents

This free service provided by auto insurance brokers is exactly what you’ve been looking for.

How Insurance Brokers Work

  1. One time information gathering.
  2. Discussion about what deductible you would like
  3. Liability limits needed
  4. Any missing coverage you should consider.

That’s it. 

  • You can sit back and relax while the insurance brokers do the work for you.
  • No more countless hours spent comparing rates and policies from different companies.
  • With just a few clicks, you can get quotes from multiple companies in your area all at once.

What exactly is an Insurance Broker?

An insurance broker is a licensed professional who works independently to help individuals and businesses find the best insurance coverage for their specific needs.

They are not tied to any one insurance company, giving them the freedom to shop around and compare policies from various providers.

This means they can offer you unbiased advice and present you with options that may not be available through other channels.

So why choose an independent auto insurance agent over going directly to an insurance company?

First, an insurance broker can save you time and effort. Instead of having to research and reach out to multiple companies on your own, an insurance broker will do all the legwork for you.

They have insider knowledge of the industry and are familiar with the different policies offered by various companies. This allows them to narrow down your options based on your specific needs and budget.

Working with an insurance broker can save you money

They have a deep understanding of how insurance rates work and can help you find lower premiums without sacrificing coverage.

They also have access to special discounts and promotions that may not be available to individuals who go directly through an insurance company.

Another major benefit of using an independent auto insurance agent is the personalized service they provide.

They can offer one-on-one consultations and tailor their recommendations to your unique situation. 

This can be especially helpful for those with complex insurance needs or who may have a difficult time understanding insurance jargon.

In addition, an insurance broker acts as your advocate throughout the entire process. 

If you ever need to file a claim or have any issues with your policy, they will be there to assist you and make sure your best interests are represented.

Overall, enlisting the help of an insurance broker not only saves you time and money, but also gives you peace of mind, knowing that a knowledgeable professional is on your side. So why go through the hassle of researching and comparing policies on your own? 

Click HERE now for quotes from "A" rated auto insurance companies.

Or you can speak with one of our licensed local insurance broker/agents Monday - Friday 8:30 am to 5:00 pm at 314-569-1010

About the Author

John Espenschied is a long-time veteran of the insurance industry. He has worked in various positions within the industry for over 20 years, and for the past 15 years, he has been the owner and operator of Insurance Brokers Group, an independent insurance agency. John loves advising people on the insurance that meets their needs and goals, whether it be for personal or commercial purposes.

John is married to Melissa, and they have three children together, as well as three grandchildren. In his spare time, John enjoys golfing and playing in the golf league, biking to their local brewery along the Missouri river, and going on motorcycle rides when the weather is nice.

John Espenschied

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