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Best Local Car Insurance Agencies in Gainesville

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American Auto Insurance of Gainesville logo
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License Verified:

License: L088781

Florida Division Of Insurance Agent And Agency Services

American Auto Insurance of Gainesville

603 Northwest 10th Avenue, Gainesville, FL 32601
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  • Multiple Carriers
  • Motorcyle & ATV
  • Boats
  • RV & Motorhome

Business Description

American Auto Insurance of Gainesville has been providing Gainesville residents and businesses with auto insurance services since 1982. Its team of agents helps clients avoid financial difficulties due to various issues, such as car accidents. They can also offer the right auto insurance policies for ATVs, wave runners, boats, cars, motorcycles, and other vehicles. In addition, the American Auto Insurance of Gainesville staff assists in FR44 DUI and SR22 State filings.

License Verified:

License: L088781

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
4.0 / 5 (48)

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
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Detail
––
Andersen Insurance Group, Inc. logo
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License Verified:

License: L050241

Florida Division Of Insurance Agent And Agency Services

Andersen Insurance Group, Inc.

1210-B Blanding Boulevard, Gainesville, FL 32065
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  • RV & Motorhome
  • Motorcyle & ATV

Business Description

Andersen Insurance Group, Inc., has been providing individuals in Gainesville auto insurance policies for more than 30 years. It insures different types of motorized vehicles, such as cars, motorcycles, RVs, boats, and collector cars. Clients with new vehicles or who want to look for better insurance coverages are attended to by the company's agents. Standard coverages of auto insurance policies include financial protection for the vehicle and liability protection in cases of injuries. Additional options can be suggested by the agents depending on clients' insurance needs.

License Verified:

License: L050241

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 (27)
Facebook
5.0 / 5 (3)

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
Aubrey Rogers Insurance Agency, Inc. logo
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License Verified:

License: L080423

Florida Division Of Insurance Agent And Agency Services

Aubrey Rogers Insurance Agency, Inc.

2400 Northwest 6th Street, Gainesville, FL 32609
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  • Multiple Carriers
  • Motorcyle & ATV

Business Description

Based in Gainesville, Aubrey Rogers Insurance Agency, Inc. has been providing insurance products and services to Floridians in Gainesville since 1982. It specializes in comprehensive auto policies inclusive of property damage or theft coverage; liability coverage to others in case of property damage or bodily injuries; and medical coverage for injury treatments, rehabilitation, and lost wages. The firm's seasoned agents also provide policy services, including ID card requests and policy modifications. Aubrey Rogers Insurance Agency is a Trusted Choice Independent Insurance Agent.

License Verified:

License: L080423

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.
4.6
Google
4.6 / 5 (45)

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
Cotton's All Lines Insurance, Inc. logo
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License Verified:

License: L011916

Florida Division Of Insurance Agent And Agency Services

Cotton's All Lines Insurance, Inc.

1222 Northwest 16th Avenue, Gainesville, FL 32601
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  • Multiple Carriers
  • Motorcyle & ATV
  • Boats
  • RV & Motorhome

Business Description

Since 1973, Cotton's All Insurance Agency, Inc., has been offering auto insurance services to individuals and businesses in Gainesville and the nearby areas. As an independent agency, it represents various insurance carriers. giving it the flexibility to compare different policies and provide insurance plans that fit client needs. In addition, agents review clients' coverages to ensure that they match changing insurance needs. As a community member, its team of agents is committed to help and accommodate people in their times of need.

License Verified:

License: L011916

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 (108)
Facebook
5.0 / 5 (7)

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
Erwin Insurance Agency logo
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License Verified:

License: L002665

Florida Division Of Insurance Agent And Agency Services

Erwin Insurance Agency

2200 Cassat Avenue, Gainesville, FL 32210
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  • Multiple Carriers
  • Bundling Option

Business Description

Erwin Insurance Agency has been providing insurance solutions and products to residents of the Gainesville metro since 1963. It was founded by William W. Erwin, Sr. with the idea of changing the public's perception of insurance to the smartest method of protecting what clients value the most. It has since written auto insurance policies to clients that protect themselves and their vehicles from unexpected expenses caused by traffic accidents and other damages. The agency is licensed in 17 states.

License Verified:

License: L002665

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.
4.0
Google
4.5 / 5 (127)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Erwin Insurance Middleburg logo
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License Verified:

License: E127710

Florida Division Of Insurance Agent And Agency Services

Erwin Insurance Middleburg

2494 Blanding Boulevard, Middleburg, FL 32068
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Business Description

Erwin Insurance Middleburg is an agency that has been offering auto insurance policies for residents in Gainesville and nearby areas for the past three decades. Its auto insurance plans may include six coverages, including collision, bodily injury liability, personal injury protection, comprehensive, and uninsured and underinsured motorist. As an authorized producer of different car insurance companies, Erwin Insurance Middleburg can help find the best auto insurance for young drivers, non-owners, and drivers with DUI's.

License Verified:

License: E127710

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.
4.0
Google
4.0 / 5 (22)

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
Harbor and Associates Insurance logo
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License Verified:

License: L085991

Florida Division Of Insurance Agent And Agency Services

Harbor and Associates Insurance

921 Northwest 13th Street, Gainesville, FL 32601
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  • Boats
  • Motorcyle & ATV

Business Description

Harbor and Associates Insurance is a Gainesville-based insurance agency. It has been providing its services in the area since 2003. This family-owned agency represents several top-rated insurance carriers that offer the best rates in the market. Agents help clients in assessing products to determine the right insurance for them. Some of the agency's partner companies include the Bristol West Insurance Group, Mendota Insurance, and Capital Preferred. Aside from auto insurance, the company also offers insurance for homeowners, renters, boats, and businesses.

License Verified:

License: L085991

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.
4.1
Google
4.2 / 5 (28)

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
King Insurance logo
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King Insurance

1925 North Young Boulevard, Chiefland, FL 32626
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  • Bundling Option

Business Description

King Insurance was founded in 1974 and to this day serves clients throughout Gainesville. It offers auto insurance covering comprehensive, collision, liability, personal injury protection, and rental reimbursement. The agency has bilingual Spanish-speaking professional staff to navigate the policies available to match client needs. An independent insurance agency also offers surety bonds and home insurance and can provide policies for each client's specific requirements. King Insurance also provides industry-specific insurance plans for businesses.

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.
4.4
Google
4.4 / 5 (52)

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
McGriff-Williams Insurance logo
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License Verified:

License: L055907

Florida Division Of Insurance Agent And Agency Services

McGriff-Williams Insurance

3501 West University Avenue, Gainesville, FL 32607
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  • Multiple Carriers
  • Motorcyle & ATV
  • Boats
  • RV & Motorhome

Business Description

McGriff-Williams Insurance is an independent agency providing insurance and money-saving solutions to businesses and families in Gainesville. Its agents offer auto insurance policies to protect against financial loss in the event of an accident. Most of the companies the agency represents have auto insurance policy enhancements, such as diminishing deductibles, new car replacement, and gap insurance. McGriff-Williams Insurance also has a health insurance division that specializes in Medicare supplements, as well as individual and group health.

License Verified:

License: L055907

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 (84)
Facebook
4.9 / 5 (20)

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
Nate Cruce logo
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License Verified:

License: E041796

Florida Division Of Insurance Agent And Agency Services

Nate Cruce

378 East Base Street, Madison, FL 32340
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  • Bundling Option

Business Description

Nate Cruce is an independent State Farm insurance agent that serves clients in Gainesville and nearby areas. He offers a wide variety of products and services, such as personal and commercial auto insurance. Additionally, he can provide homeowners', life, and health insurance and also manages insurance coverage and claims for business clients. Cruce has been a Chartered Financial Consultant for 20 years. He is also a member of the Madison County Florida Chamber of Commerce.

License Verified:

License: E041796

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 (2)

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
Partners Insurance Agency logo
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License Verified:

License: R002572

Florida Division Of Insurance Agent And Agency Services

Partners Insurance Agency

4040 West Newberry Road, Gainesville, FL 32607
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  • Multiple Carriers

Business Description

Partners Insurance Agency is a full-service insurance company that has been serving Gainesville and the surrounding communities for more than 17 years. Established in 2004, the locally owned firm protects car owners, motorists, and commercial drivers against financial losses and potential risks through an auto insurance policy. Its independent insurance agents shop for various coverage options like property, liability, and medical coverage among several top-rated providers. The company prides itself on having more than 30 years of combined experience in the insurance industry.

License Verified:

License: R002572

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
4.5 / 5 (8)
Facebook
5.0 / 5 (5)

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
Sunshine State Insurance Agency logo
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Sunshine State Insurance Agency

1111 Northwest 23rd Avenue, Gainesville, FL 32609
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  • Boats
  • Motorcyle & ATV

Business Description

Sunshine State Insurance Agency is an independent insurance brokerage operating in Gainesville. The firm provides personal and commercial insurance products to clients in the metro and nearby towns. It also writes auto insurance policies for clients which protect them from financial losses caused by liabilities, collisions, and medical payments. Sunshine State Insurance Agency was founded in 1971 and is a member of the Independent Insurance Agents and Brokers of America, Inc.

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
4.6 / 5 (35)
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
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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