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Best Local Car Insurance Agencies in Palm Bay

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1 Source Insurance Agency Inc. logo
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License Verified:

License: R002061

Florida Division Of Insurance Agent And Agency Services

1 Source Insurance Agency Inc.

1701 South Harbor City Boulevard, Melbourne, FL 32901
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  • Multiple Carriers

Business Description

1 Source Insurance Agency Inc. is a company that provides car insurance and other insurance products in Palm Bay. The independent Florida-based insurance agency offers car insurance such as liability, accident, uninsured and underinsured motorists, collision coverage, rental, and special cars coverage. 1 Source Insurance Agency Inc. also offers other insurance products, such as homeowners, life, health, commercial liability, and health insurance. It has partnered with reputable insurance carriers to provide a variety of insurance coverage for its clients.

License Verified:

License: R002061

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 (10)
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
Clover Insurance Agency, LLC logo
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License Verified:

License: L057220

Florida Division Of Insurance Agent And Agency Services

Clover Insurance Agency, LLC

190 Malabar Road, Palm Bay, FL 32907
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  • RV & Motorhome
  • Boats

Business Description

Clover Insurance Agency LLC is an independent insurance agency in Palm Bay that helps clients choose the necessary insurance protection they need for themselves and their vehicles. It writes auto insurance policies for clients residing in the metro and helps protect them from liabilities and collisions. It also provides insurance coverage for high-risk drivers (SR-22 drivers) and drivers who were recently involved in a DUI or DWI case (FR-44 drivers).

License Verified:

License: L057220

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
4.1 / 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
Joe Raley logo
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License Verified:

License: E029968

Florida Division Of Insurance Agent And Agency Services

Joe Raley

5030 Minton Road, Palm Bay, FL 32907
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  • Bundling Option

Business Description

Joe Raley is a State Farm insurance agent that has been serving Palm Bay and other areas since 1991. His company offers auto insurance with collision and comprehensive coverage for damages like theft, vandalism, overturning, fires, explosions, and hurricanes. It can also provide bodily injury liability coverage, which protects against lost wages and medical expenses. Raley has received the State Farm Ambassador Club Award and is a multi-year recipient of the Chartered Life Underwriter designation.

License Verified:

License: E029968

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)

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
Kim Jones Insurance Agency logo
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License Verified:

License: L000114

Florida Division Of Insurance Agent And Agency Services

Kim Jones Insurance Agency

166 North Atlantic Avenue, Cocoa Beach, FL 32931
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  • Multiple Carriers

Business Description

Kim Jones Insurance Agency is a locally owned and operated agency that delivers cost-effective risk management solutions to Palm Bay residents. Its insurance specialists offer auto insurance policies to help clients be financially prepared when accidents happen. They assist in finding the right policy that protects drivers at all costs. Additional protection and coverage options are available such as comprehensive, liability, minor violation forgiveness, personal injury protection, and roadside assistance.

License Verified:

License: L000114

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
Facebook
4.5 / 5 (11)
Google
2.0 / 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
LOI Insurance - Okeechobee logo
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License Verified:

License: L002240

Florida Division Of Insurance Agent And Agency Services

LOI Insurance - Okeechobee

1500 Florida 70, Palm Bay, FL 34972
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  • Multiple Carriers

Business Description

LOI Insurance is an independent insurance provider serving Palm Bay and other areas in Florida. Its car insurance plans include bodily injury liability and property damage coverages. Additionally, its policies can cover increased liability protection, uninsured motorists, roadside assistance, higher deductibles, gap insurance, and drop coverage for older cars. The LOI Insurance team also insures motorcycles, RVs, fishing boats, and other watercraft. They are proud to help their clients secure their assets and their future through the company's products and services.

License Verified:

License: L002240

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 (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.
4.0
Responsiveness
Friendliness
––
Helpfulness
Detail
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Melbourne Beach Insurance logo
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License Verified:

License: A311802

Florida Division Of Insurance Agent And Agency Services

Melbourne Beach Insurance

1616 Tangerine Street, Melbourne, FL 32951
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  • Bundling Option

Business Description

Melbourne Beach Insurance is an independent insurance firm and insurance brokerage that has been representing various financially sound and reputable insurance carriers since 2005. Serving both individual and corporate clients in Palm Bay, it offers a wide range of insurance products, including standard auto insurance. Its professional associates can help motorists secure car insurance policies that will suit their individual needs, requirements, and priorities. Melbourne Beach Insurance also offers homeowners', business, health, and life insurance.

License Verified:

License: A311802

Florida Division Of Insurance Agent And Agency Services

Nesper Insurance Services, Inc. logo
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License Verified:

License: R000993

Florida Division Of Insurance Agent And Agency Services

Nesper Insurance Services, Inc.

829 8th Street, Vero Beach, FL 32962
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  • Multiple Carriers

Business Description

Attending to customers in Palm Bay, Bill Nesper Insurance Services, Inc., offers an array of personal and business auto insurance products. Located in Vero Beach, the company works with multiple agencies to find a suitable policy that will fit its clients' needs. Its agents assist vehicle owners with their auto insurance that includes property, liability, and medical payments coverage. Bill Nesper Insurance Services has been in the insurance industry since 1992.

License Verified:

License: R000993

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
4.7 / 5 (22)
Facebook
4.0 / 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
Rey Campbell logo
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License Verified:

License: A038936

Florida Division Of Insurance Agent And Agency Services

Rey Campbell

6255 Minton Road, Palm Bay, FL 32907
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  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

Business Description

Rey Campbell is a professional insurance agent under GreatFlorida Insurance. Campbell handles insurance policies for car, home, and commercial properties in the Palm Bay area. In the event of an accident, the auto insurance policy he offers to his clients can cover collision liability, damage to vehicles, theft, repairs, medical expenses, as well as financial loss assistance. On the GreatFlorida website, Campbell has received five-star ratings from his satisfied clients.

License Verified:

License: A038936

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 (25)
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
Sarpoolaki Insurance Center logo
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License Verified:

License: L091690

Florida Division Of Insurance Agent And Agency Services

Sarpoolaki Insurance Center

277 Malabar Road, Palm Bay, FL 32907
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  • Bundling Option

Business Description

Sarpoolaki Insurance Center is a team of agents based in Palm Bay. Run by father-and-son team Andy and Dimitri Sarpoolaki, the company assists clients in various areas including auto insurance. The professionals furnish insurance plans for car owners that include medical coverage, which compensates for rehabilitation costs, funeral expenses, and lost wages due to a vehicle accident. This is provided along with property and liability coverage. Sarpoolaki Insurance Center has been offering insurance solutions for more than 30 years.

License Verified:

License: L091690

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 (142)
Facebook
5.0 / 5 (26)

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
Schneider and Associates Insurance Agencies - Micco logo
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License Verified:

License: L015870

Florida Division Of Insurance Agent And Agency Services

Schneider and Associates Insurance Agencies - Micco

7960 US Highway 1, Micco, FL 32976
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  • RV & Motorhome

Business Description

Schneider and Associates Insurance Agencies, which is located in Micco, assists with the insurance needs of residents in Palm Bay. Included in its line of services is auto insurance, wherein its team creates custom plans for automobile owners that may cover car collision damages and medical expenses resulting from car accidents. In addition to auto insurance, Schneider and Associates Insurance Agencies also provides mobile home insurance along with commercial insurance products. The company is also licensed in Texas, Ohio, and Iowa.

License Verified:

License: L015870

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 (139)
Facebook
5.0 / 5 (36)
Yelp
2.5 / 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
Sebastian Insurance logo
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License Verified:

License: L054510

Florida Division Of Insurance Agent And Agency Services

Sebastian Insurance

936 US Highway 1, Sebastian, FL 32958
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  • Multiple Carriers

Business Description

With over 25 years of experience in the insurance agency, Sebastian Insurance LLC offers all aspects of insurance services to Palm Bay and the rest of Sebastian. Offering auto insurance, the agency represents multiple companies with a wide array of insurance products that clients can choose from. Providing coverage for collision and comprehensive, the company also includes personal injury and medical payments coverage. Clients can also add extra policies such as roadside assistance.

License Verified:

License: L054510

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 (12)

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
tomcollinsinsurance.com logo
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License Verified:

License: L059939

Florida Division Of Insurance Agent And Agency Services

tomcollinsinsurance.com

1555 Indian River Boulevard, Vero Beach, FL 32962
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  • Multiple Carriers

Business Description

Tom Collins Insurance Agency, Inc., has been providing insurance services to individuals and families near Palm Bay since 1989. David T. Collins, the VP for operations of the firm, uses his extensive experience as a risk analyst and commercial underwriter to help residents and businesses find policies that suit their needs. He and the other agents at the company offer coverage for medical treatment and property damage in the event of a collision and other kinds of auto accidents.

License Verified:

License: L059939

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 (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
Wren Insurance Agency logo
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License Verified:

License: R041409

Florida Division Of Insurance Agent And Agency Services

Wren Insurance Agency

1430 Palm Bay Road Northeast, Palm Bay, FL 32905
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Business Description

Located in Palm Bay, Wren Insurance Agency is a locally owned and family-operated independent agency that has been serving individuals, families, and businesses since 1979. Car insurance is one of its many insurance program offerings. The agency represents 50 of the top national and regional insurance companies, including car insurers, such as Chubb, MetLife, Progressive, Travelers, Safeco, and Foremost. Its agents understand how to help clients get back on the road as quickly as possible after their vehicle is stolen, sustains damage, or is destroyed.

License Verified:

License: R041409

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 (210)
Facebook
5.0 / 5 (8)
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
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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