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Best Local Car Insurance Agencies in Clearwater

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Barrett Harding Insurance - Port Richey logo
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License Verified:

License: L076253

Florida Division Of Insurance Agent And Agency Services

Barrett Harding Insurance - Port Richey

10014 Grove Drive, Port Richey, FL 34668
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  • Multiple Carriers

Business Description

Barrett Harding Insurance is a local and multi-generational insurance company with over 80 years of experience in the industry. It serves residents of Clearwater and the surrounding areas. The company creates customized auto insurance to meet the needs of its customers. The auto insurance package offers options for collision and comprehensive coverage, liability coverage, and roadside assistance. It also provides coverage for extra expenses and lease gaps. Barrett Harding Insurance also offers home, pet, businesses, and life insurance policies.

License Verified:

License: L076253

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (106)
Facebook
5.0 / 5 (40)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Bay Area Insurance Shop logo
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License Verified:

License: L089230

Florida Division Of Insurance Agent And Agency Services

Bay Area Insurance Shop

1452 Court Street, Clearwater, FL 33756
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  • Bundling Option

Business Description

Bay Area Insurance Shop is a locally owned and independent agency in Clearwater that offers auto insurance products and services to individuals and businesses in the nearby areas. For more than 20 years in the industry, it has been representing various insurance carriers to provide customized insurance plans suited to the clients' needs and budget. These plans protect individuals against damages and financial liabilities resulting from an accident, including property, medical, liability, collision, and comprehensive coverages.

License Verified:

License: L089230

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (50)
Facebook
5.0 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Belyann Valdes Hawkins logo
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License Verified:

License: W331081

Florida Division Of Insurance Agent And Agency Services

Belyann Valdes Hawkins

12807 West Hillsborough Avenue, Tampa, FL 33635
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Business Description

Belyann Valdes Hawkins is a local insurance agent that represents State Farm Insurance in Tampa and the nearby Clearwater metro. She specializes in auto, property, and life insurance lines. She is also a member of the Hispanic Chamber of Commerce in Tampa and caters to Spanish-speaking clients. Her agency writes comprehensive auto insurance policies for clients that provide collision coverage and comprehensive coverage for vehicles. She also serves the community as a Lowry Elementary PTA Member.

License Verified:

License: W331081

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Blackwell Insurance logo
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License Verified:

License: L058822

Florida Division Of Insurance Agent And Agency Services

Blackwell Insurance

10014 Grove Drive, Port Richey, FL 34668
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  • Multiple Carriers

Business Description

Active since 1972, Blackwell Insurance is an insurance company that serves clients in and around Clearwater. The company provides auto insurance plans to pay for unexpected expenses like road service or car collisions. It meets with clients to examine their vehicle and personal concerns such as repair fees. Blackwell Insurance also recommends policies and review existing ones to find any oversights. This can include coverage for underinsured driver accidents and legal sanctions. The company is partnered with Barrett Harding Insurance.

License Verified:

License: L058822

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.6 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Coastal Insurance Associates logo
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License Verified:

License: L063615

Florida Division Of Insurance Agent And Agency Services

Coastal Insurance Associates

201 South Pinellas Avenue, Tarpon Springs, FL 34689
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  • Multiple Carriers

Business Description

Coastal Insurance Associates is a family-owned and operated independent insurance agency located in Clearwater and specializes in determining the best coverage based on clients' needs. Serving Floridians for over 50 years, the agency offers auto insurance that covers a wide variety of coverage against damages and liabilities. Its professional team has a combined industry experience of over 100 years, and also offers other insurance solutions such as homeowners, business, umbrella, and life.

License Verified:

License: L063615

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Coleman Insurance Agency logo
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License Verified:

License: L092591

Florida Division Of Insurance Agent And Agency Services

Coleman Insurance Agency

4831 Ruen Drive, Palm Harbor, FL 34685
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  • Multiple Carriers

Business Description

Coleman Insurance Agency is a family-owned and operated, full-service agency that offers car insurance solutions to its clients in Clearwater. Being an independent agency, the company always has its clients' best interests in mind when providing advice on insurance options. In addition to standard car insurance, Coleman Insurance Agency also offers car insurance for a single or a whole fleet of business automobiles. Some of its top-rated and trusted partner insurers are Foremost, Bristol West, Mapfre, and Leland West.

License Verified:

License: L092591

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (86)
Facebook
4.6 / 5 (31)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Commercial Insurance Specialists, LLC logo
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License Verified:

License: L075223

Florida Division Of Insurance Agent And Agency Services

Commercial Insurance Specialists, LLC

3438 Colwell Avenue, Tampa, FL 33614
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  • Multiple Carriers

Business Description

Commercial Insurance Specialists, LLC, is an insurance agency that serves the residents of Clearwater and the rest of Tampa. Backed with 25 years of experience in the industry, the company assists clients with different types of coverage lines involving automobiles, boats, yachts, and recreational vehicles. The team also works with businesses to provide commercial automobile coverage and workers' compensation insurance. Commercial Insurance Specialists, LLC, supports community organizations including Goodwill Industries Suncoast, Jesuit High School, and Chi Chi Rodriguez Foundation.

License Verified:

License: L075223

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (9)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Cornerstone Insurance logo
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License Verified:

License: L061107

Florida Division Of Insurance Agent And Agency Services

Cornerstone Insurance

13035 West Linebaugh Avenue, Tampa, FL 33626
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  • RV & Motorhome
  • Motorcyle & ATV

Business Description

Cornerstone Insurance is a local and family-owned business that offers auto insurance products and services to individuals and families in Clearwater and the nearby areas. It is an independent agency that represents more than 40 insurance carriers. Its insurance specialists assist clients in customizing insurance plans that fit their budget and needs. Founded by Joshua Butts, Cornerstone Insurance believes that every client deserves a company that embodies integrity, honesty, professionalism, and passion in serving the community.

License Verified:

License: L061107

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.8 / 5 (16)
Yelp
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Dimmitt Insurance - Clearwater logo
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License Verified:

License: L086533

Florida Division Of Insurance Agent And Agency Services

Dimmitt Insurance - Clearwater

25191 US Highway 19 North, Clearwater, FL 33763
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  • Boats
  • Motorcyle & ATV

Business Description

Located in Clearwater, Dimmitt Insurance has been helping people acquire insurance for their investments since 1924. One of the insurance policies the agency offers is auto insurance from various trusted providers. Its agents can give its clients quotes on policies that already have liability and comprehensive coverages. They also focus on presenting the options with the most competitive rates. Led by Nikki Bassil, Dimmitt Insurance also offers motorcycle, boat, and marine insurance as well as policies under personal and business insurance.

License Verified:

License: L086533

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (52)
Facebook
5.0 / 5 (11)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gotta Havit Auto Insurance logo
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License Verified:

License: L051153

Florida Division Of Insurance Agent And Agency Services

Gotta Havit Auto Insurance

918 South Missouri Avenue, Clearwater, FL 33756
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  • Multiple Carriers
  • Motorcyle & ATV
  • Boats
  • RV & Motorhome

Business Description

Gotta Havit Auto Insurance represents over 35 insurance companies that provide protection plans to car owners and vehicles in Clearwater. The agency safeguards clients from roadside troubles and car accidents with personalized insurance policies. Its agents can provide insurance quotes 24 /7. They also evaluate clients' specific needs and connect them with multiple carriers. Gotta Havit Auto Insurance has four agents on board and has been providing insurance assistance since 2003.

License Verified:

License: L051153

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (134)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Lizette Cochran logo
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License Verified:

License: L062943

Florida Division Of Insurance Agent And Agency Services

Lizette Cochran

3031 East Lake Road, Palm Harbor, FL 34685
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  • Bundling Option

Business Description

Lizette Cochran is a State Farm insurance agent that has been providing insurance policy services for 30 years. Cochran and her team have over 100 years of experience in the industry. She is a resident of Lansbrook and her agents are local residents, offering car insurance plans to clients in Clearwater and nearby areas. They also assist in reviewing clients' life insurance policies. Cochran has team members who can cater to Spanish-speaking clients.

License Verified:

License: L062943

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Reliant Insurance Services logo
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License Verified:

License: L097080

Florida Division Of Insurance Agent And Agency Services

Reliant Insurance Services

13119 West Linebaugh Avenue, Tampa, FL 33626
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  • Multiple Carriers

Business Description

Reliant Insurance Services is an independent insurance agency in Tampa, serving Clearwater and the entire state of Florida. It helps motorists acquire auto insurance coverage by presenting them with quotes from a wide range of insurance providers to suit their specific needs and preferences. Among the most important types of insurance coverages that a client’s policy includes are collision, comprehensive, property damage, and liability. Reliant Insurance Services also provides life homeowners, disability, flood, and pet health insurance.

License Verified:

License: L097080

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (233)
Facebook
5.0 / 5 (34)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Simmons Insurance logo
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License Verified:

License: A243347

Florida Division Of Insurance Agent And Agency Services

Simmons Insurance

1465 South Fort Harrison Avenue, Clearwater, FL 33756
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  • Multiple Carriers

Business Description

Simmons Insurance is a car insurance agency serving drivers in Clearwater and the surrounding areas. The local agency's insurance agents offer auto insurance policies that contain liability, personal injury protection (PIP), and uninsured/underinsured motorist (IM) coverages. They also have supplemental options for rental cars and roadside assistance. The team at Simmons Insurance educates clients on the insurance buying process. They provide clear answers to questions and they explain concepts and coverages in a detailed and understandable manner.

License Verified:

License: A243347

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (56)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Star Insurance Quotes logo
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License Verified:

License: L094121

Florida Division Of Insurance Agent And Agency Services

Star Insurance Quotes

12421 North Florida Avenue, Tampa, FL 33612
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  • Multiple Carriers

Business Description

Offering assistance to all aspects of Clearwater's insurance needs, Star Insurance Quotes provides a wide range of insurance products for the residents throughout Tampa. The family-owned insurance agency provides coverage for home, health, and auto insurance. Its agents also specialize in assisting teen drivers and clients with poor credit and cases in their driving history such as accidents. Star Insurance Quotes has been in the insurance industry for over two decades.

License Verified:

License: L094121

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Vazquez Insurance Agency Inc logo
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License Verified:

License: L050028

Florida Division Of Insurance Agent And Agency Services

Vazquez Insurance Agency Inc

3980 Tampa Road, Oldsmar, FL 34677
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  • Bundling Option

Business Description

Vasquez Insurance Agency Inc. is an independent insurance agency founded to combat consumers' frustrations stuck with a single option when shopping for insurance products. The agency adopts the independent agency model and has access to dozens of insurance providers to provide quotes for any personal or business insurance needs. It writes auto insurance policies that protect clients from significant financial losses caused by traffic accidents. Vasquez Insurance Agency is located in Oldsmar and also operates in the nearby Clearwater metro.

License Verified:

License: L050028

Florida Division Of Insurance Agent And Agency Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

Frequently Asked Questions

Introduction

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.

What is car insurance?

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.

How does car insurance work?

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.

What does car insurance cover?

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.

Does car insurance cover theft?

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.

How does a car insurance deductible work?

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.

Do you need insurance to register a car?

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.

Can you get car insurance without a license?

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.

Do you need car insurance?

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.

How much is car insurance a month?

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.

Why is my car insurance so high?

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.

How can I get lower car insurance?

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.

Do you need insurance to rent a car?

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.

Does my car insurance cover rental cars?

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.

Can I insure a car not in my name?

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.

Can you cancel car insurance at any time?

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.

How can I change car insurance?

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.

How do you become a car insurance agent?

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.

How do car insurance agents get paid?

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.

How much do car insurance agents make?

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.

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