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Best Local Car Insurance Agencies in Columbia

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Angell & Co. - Ashland logo
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Angell & Co. - Ashland

106 East Broadway, Ashland, MO 65010
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  • Multiple Carriers

Business Description

Angell & Co. is a full-service independent insurance agency based in Ashland that provides auto insurance products to vehicle owners in Columbia. Since 1930, the company has been helping clients in comparing and evaluating insurance plans that fit their needs. The insurance specialists work with multiple carriers in providing customized coverages that will protect them from damages and financial losses caused by an accident. Angell & Co. supports organizations in the community which include Hope Community Project and Centralia Historical Society.

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
Facebook
4.8 / 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
Cheryl Kelly logo
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Cheryl Kelly

3215 South Providence Road, Columbia, MO 65203
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  • Bundling Option

Business Description

Cheryl Kelly has been a State Farm agent since 1998. She offers auto insurance products and services to individuals, families, and businesses in Columbia. Kelly and her team at State Farm provide insurance plans that will protect their clients against unexpected loss resulting from an accident. Additionally, they offer insurance solutions for life, health, homes, properties, and businesses. Kelly is a former board member of State Farm Federal Credit Union and a supporter of Columbia Public Schools Partner in Education.

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)
Facebook
5.0 / 5 (4)
Yelp
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
Harrison Agency, Inc. logo
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Harrison Agency, Inc.

2100 Whitegate Drive, Columbia, MO 65202
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  • Bundling Option

Business Description

Harrison Agency, Inc., is a family-owned and locally operated independent insurance firm that provides services throughout the Columbia area. It quotes and writes policies for people who seek protection for their cars. The team finds the type of coverages that may protect the clients against financial loss due to traffic-related accidents, theft, and medical expenses. Some of its other products include homeowners' insurance, high net worth insurance, and business property insurance. The firm aims to establish long-term partnerships with its clients by engaging one-on-one with them.

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

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
Insurance Plus logo
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Insurance Plus

1604b Business Loop 70 West, Columbia, MO 65202
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  • Multiple Carriers

Business Description

Insurance Plus was founded by Denise Nelson and Tina Marso. Their first business was an accounting firm and they, later on in 1992, established Insurance Plus as an independent agency that works with other insurance carriers. Servicing clients in Columbia and the nearby areas, they cater to local and businesses and assists them with car insurance plans and investments. It includes collision and comprehensive coverages, property damage, and bodily injury liability. They also provide standard insurance and car insurance for collector cars, as well.

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 (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
Kasmann Insurance Agency logo
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Kasmann Insurance Agency

116 North Garth Avenue, Columbia, MO 65203
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  • Multiple Carriers

Business Description

Founded in 1923, Kasmann Insurance Agency is a third-generation business offering auto insurance products to Columbia drivers. The local business has agents on board who are equipped to shop and review vehicle protection plans. Available auto insurance plans include physical damage and liability. The company also has policies intended for covering car damages caused by collision, theft, and vandalism. Principal Stacey Page has been handling auto-owners insurance for over 19 years.

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.
4.5
Google
4.8 / 5 (19)
Facebook
4.2 / 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
Naught-Naught Agency - Columbia logo
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Naught-Naught Agency - Columbia

3928 South Providence Road, Columbia, MO 65203
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  • Multiple Carriers

Business Description

Naught-Naught Agency - Columbia is an independent car insurance agency serving the needs of its clients in Columbia since 1972. It reviews each client's needs and options to find the best match. The agency has a 24-hour claims hotline and offers flexible payment options. It also offers other personal insurance products, such as health insurance, homeowners insurance, life insurance, and long-term care insurance. Its business insurance products include coverage for general liability, loss prevention, and workers' compensation.

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
Facebook
3.7 / 5 (12)
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
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Vestal Insurance Agency logo
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Vestal Insurance Agency

419 West Ree Street, Moberly, MO 65270
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  • Multiple Carriers

Business Description

Vestal Insurance Agency has been addressing the insurance needs of car owners in Columbia since 2007. The firm has a website with an online auto quote form that clients can fill out for quote requests. Its insurance agents help clients understand the insurance process and provide guidance in choosing suitable auto insurance plans. Policyholders can receive financial compensation for accident-related losses, including medical, liability, and property damages. In addition, they can obtain financial assistance for injury-related funeral expenses.

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
––
Vogel-Stuart Insurance Group logo
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Vogel-Stuart Insurance Group

29 North 10th Street, Columbia, MO 65201
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  • Multiple Carriers

Business Description

Vogel-Stuart Insurance Group is a Columbia-based business that offers a line of personal protection plans. The company's product range includes auto insurance, and its team offers different coverage options for car owners such as personal injury protection. In the event of an accident, this coverage compensates for the policyholder's medical expenses and lost wages. Vogel-Stuart Insurance Group is a family-owned and operated company. Its team is committed to developing not only insurance plans but also lasting relationships with clients.

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.
4.5
Google
4.5 / 5 (89)

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
Walker-Winter Insurance logo
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Walker-Winter Insurance

1517 Chapel Hill Rd 400, Columbia, MO 65203
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  • Bundling Option

Business Description

Walker-Winter Insurance is an independent insurance agency in Columbia that provides personal and business lines to clients in the metro and surrounding areas. The agency offers car insurance policies that protect clients and their vehicles from collision, property damages, bodily injury liabilities, uninsured and underinsured motorists, and other forms of physical damages. Walker-Winter Insurance has been writing policies since 1999 and also provides coverage for farms, contractors, and even groups.

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 (78)

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
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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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