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Best Local Car Insurance Agencies in Saint Joseph

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AIS logo
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AIS

2903 South Belt Highway, Saint Joseph, MO 64503
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  • Multiple Carriers

Business Description

AIS, also known as Affordable Insurance Solutions, is a family-owned business that has been serving clients in the Saint Joseph area since 2007. The firm accommodates customers applying for a car policy regardless of their driving history and insurance records. Aside from auto insurance plans, it also offers various products to protect policy buyers' other valuable assets, such as motorcycles and commercial vehicles. As an exclusive service, AIS has 24-hour reinstatement options for clients with a suspended license.

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
4.6 / 5 (118)

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
Benchmark Insurance Agency logo
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Benchmark Insurance Agency

1401 Frederick Avenue, Saint Joseph, MO 64501
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  • Multiple Carriers

Business Description

Benchmark Insurance Agency is an independent agency located in St. Joseph. It offers auto insurance policies that pay for losses incurred due to theft or property damage, bodily injury, and legal responsibility arising from car accidents. The firm's agents advocate for clients, even those with imperfect driving history, in finding the right policies and coverages. To do so, they shop for quotes from dozens of highly rated insurance carriers with which Benchmark Insurance Agency maintains relationships.

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 (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
Buchanan County Mutual Insurance Co logo
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Buchanan County Mutual Insurance Co

1004 South Belt Highway, Saint Joseph, MO 64507
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  • Multiple Carriers

Business Description

Buchanan County Mutual Insurance Co has been providing insurance products and services to residents of the Saint Joseph area since 1902. It offers comprehensive auto insurance policies and has a team of insurance specialists trained to optimize car insurance coverage options for maximum protection. Clients may also obtain homeowners' insurance and agriculture insurance packages through the agency. Additionally, the firm's insurance agents are available 24/7 for emergency services. Buchanan County Mutual Insurance Co is a member of Grinnell Mutual.

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 (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
Clear View Insurance Specialists - Missouri logo
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Clear View Insurance Specialists - Missouri

3849 Frederick Avenue, Saint Joseph, MO 64506
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  • Multiple Carriers
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

Clear View Insurance Specialists is an agency that offers a wide range of products, including auto insurance, to clients in Saint Joseph. Its agents also craft plans for owners of recreational vehicles, boats, and motorcycles. Its team assesses customers' needs and gives them options from carriers such as Safeco Insurance, MetLife, Hagerty, The Hartford, and Foremost Insurance Group. Clear View Insurance Specialists is committed to establishing relationships with clients along with providing personalized service.

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 (17)
Google
5.0 / 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
Colman Insurance Services logo
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Colman Insurance Services

4305 Frederick Avenue, Saint Joseph, MO 64506
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  • Multiple Carriers

Business Description

Colman Insurance Services is a locally owned and operated insurance agency in St. Joseph. In business for more than 10 years, it offers a wide range of personal insurance products, including car insurance. Its professional associates present to clients extensive and diverse programs from multiple carriers to help them decide which type of coverage will protect them in the event of an automotive emergency. Colman Insurance Services can also help insure other vehicles, such as motorcycles, RVs, and boats.

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 (2)
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
Consolidated Insurance Services logo
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Consolidated Insurance Services

401 North 13th Street, Saint Joseph, MO 64501
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  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

Consolidated Insurance Services is a company that offers auto insurance to clients located in the Saint Joseph area. As an independent agency, its team can help policy buyers find the best insurance deals from multiple carriers. They can also provide additional assistance when the client's needs change over time. Under Progressive, they can offer a variety of auto insurance coverage, including liability, comprehensive and collision, roadside assistance, and uninsured motorist. Additionally, they can bundle home and auto insurance products.

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 (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
DeVoy-Baker Insurance logo
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DeVoy-Baker Insurance

3715 Beck Road, Saint Joseph, MO 64506
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  • Bundling Option

Business Description

Believing that great insurance protection comes from having in-depth knowledge about insurance choices and risks, DeVoy-Baker Insurance is focused on providing multiple policy options to their clients through their access to multiple carriers. Serving the residents of Saint Joseph, the company assists individuals and business owners with its personal and commercial insurance. Offering auto insurance for vehicle owners, DeVoy-Baker Insurance's agents provides coverage for autos, boats, jet skis, motorcycles, RVs, and recreational vehicles.

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
4.2 / 5 (5)
Facebook
5.0 / 5 (4)

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
Dickens Insurance Agency logo
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Dickens Insurance Agency

1807 South Belt Highway, Saint Joseph, MO 64507-2237
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  • Boats
  • Motorcyle & ATV

Business Description

Dickens Insurance Agency is an independent insurance agency based in Missouri that provides personal and commercial insurance lines to clients in the metro. The company has been part of the Saint Joseph community for over 35 years and it has been writing auto insurance policies that protect clients from liabilities, damages, and collisions. Dickens Insurance Agency is committed to getting the best policies for the clients' needs and budget and is partnered with top insurance providers such as Travelers and Progressive.

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 (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
Dusty Summers Agency logo
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Dusty Summers Agency

3110 Karnes Road, Saint Joseph, MO 64506
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  • Multiple Carriers

Business Description

Dusty Summers Agency helps the residents of Saint Joseph prepare for uncertainties through its insurance plans. With over two decades of industry experience, the company carries insurance solutions for automobiles, classic cars, golf carts, recreational vehicles, and motorcycles. Its agents offer same-day car insurance services, working with multiple carriers such as Dairyland and Hagerty. Dusty Summers Agency also provides 24/7 client assistance and maintains an online resource center. Company president Dusty Summers started as a captive insurance agent in 2008 then proceeded to form an independent agency in 2013.

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
5.0 / 5 (15)
Google
4.7 / 5 (11)
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
Gina Conaway logo
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Gina Conaway

3510 Messanie Street, Saint Joseph, MO 64507
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  • Bundling Option

Business Description

Gina Conaway is the owner of Conaway Insurance and Financial Services, Inc., a local car insurance provider representing State Farm in the Saint Joseph metro and nearby areas. In addition to offering personal and commercial auto insurance, she and her team of three insurance agents also provide property, life, and business insurance lines and are licensed to practice in both Missouri and Kansas. Conaway has over 20 years of experience in the industry.

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 (56)
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
Randy Wagers Insurance Agency logo
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Randy Wagers Insurance Agency

3603 Woodlawn Terrace, Saint Joseph, MO 64506
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  • Multiple Carriers
  • Bundling Option

Business Description

Randy Wagers Insurance Agency is a family-owned and independent agency based in Saint Joseph that offers auto insurance solutions to individuals and families within the nearby areas. It works with multiple carriers such as Progressive, Safeco Insurance, Travelers, Allied Insurance, and Nationwide in providing customized insurance plans that are suited to the needs of the clients. These plans include collision, comprehensive, liability, and underinsured and uninsured motorist coverages. Randy Wagers Insurance Agency aims to establish a long-term relationship by providing personal attention to each client.

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 (182)
Facebook
4.5 / 5 (57)
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
St. Joseph Consolidated Insurance Services, Inc. logo
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St. Joseph Consolidated Insurance Services, Inc.

401 North 13th Street, Saint Joseph, MO 64501
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  • RV & Motorhome
  • Motorcyle & ATV

Business Description

St. Joseph Consolidated Insurance Services, Inc., is a team of independent agents that assists clients in several areas, including auto insurance. The professionals furnish protection plans that may cover losses in cases of injury, property damage, or loss. They have access to insurance policies from a wide range of carriers such as Dairyland, Progressive, and Safeco Insurance. The company, which has been in operation since 1989, was founded by Casey M. Bell, who has 25 years of industry experience.

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
Facebook
4.5 / 5 (4)

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
Tilton, Thomas & Morgan logo
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Tilton, Thomas & Morgan

1802 Union Street, Saint Joseph, MO 64501
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  • Multiple Carriers

Business Description

Tilton, Thomas, and Morgan has been servicing Saint Joseph's residents and the surrounding areas since 1946. The firm has partnered with national and international carriers to provide better coverages for its clients. It has policies for commercial and personal lines. For the car insurance policy, some of the coverages included are for any resulting damages to vehicles, property loss, and medical expenses. Tilton, Thomas, and Morgan handles and treats each client like royalty.

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
Facebook
5.0 / 5 (4)

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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