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Best Local Car Insurance Agencies in Memphis

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Able logo
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License Verified:

License: 2407452

Tennessee Department of Commerce & Insurance

Able

2235 Covington Pike, Memphis, TN 38128
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Business Description

Able is a local insurance agency that caters to individuals and families in Memphis and the neighboring communities. It employs 14 insurance agents who assist clients in finding auto coverage plans that meet their specific needs. The car insurance provides property, liability, and medical coverage to policyholders and their passengers in case of an accident. The firm also writes policies for clients in Mississippi, Arkansas, and Georgia. It has been in the industry for more than 25 years.

License Verified:

License: 2407452

Tennessee Department of Commerce & Insurance

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Auto Save Insurance Agency logo
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License Verified:

License: 811513

Tennessee Department of Commerce & Insurance

Auto Save Insurance Agency

2550 Poplar Avenue, Memphis, TN 38112
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  • Multiple Carriers

Business Description

AutoSave Insurance Agency is a locally owned and operated business that serves clients in Memphis. Its agents cater to clients' specific auto insurance needs, providing coverage such as property damage, liability, and medical. Automobile insurance protects individuals and drivers financially in case their vehicle is stolen or damaged. As an independent agency, AutoSave offers homeowners', business, commercial, and flood insurance options from different companies. Its agents also have extensive knowledge of multiple carriers and the coverages available.

License Verified:

License: 811513

Tennessee Department of Commerce & Insurance

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 (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
Collier logo
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License Verified:

License: 1000821

Tennessee Department of Commerce & Insurance

Collier

606 S Mendenhall Rd, Memphis, TN 38117
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  • Multiple Carriers

Business Description

Collier is an insurance agency that caters to individuals in Memphis and surrounding areas. It offers auto insurance for clients to obtain financial protection for the cars' structural damage due to accidents. Other personal insurance offerings comprise safeguarding pets, watercraft, flood, rental property, high net worth, and valuable items. In addition, the firm provides insurance for commercial concerns, including medical malpractice, cargo, technology, special event, garage, and workers' compensation. Collier has been operating since 1911.

License Verified:

License: 1000821

Tennessee Department of Commerce & Insurance

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
4.4 / 5 (16)
Facebook
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
Crye-Leike Insurance Agency, Inc. logo
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Crye-Leike Insurance Agency, Inc.

6525 N Quail Hollow Rd, Memphis, TN 38120
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Business Description

Since 1982, Crye-Leike has been offering comprehensive auto insurance in Memphis, Tennessee, and the surrounding area. As independent brokers, Crye-Leike represents a number of quality insurance brands and works to offer its clients competitive quotes from many different sources. Its customers praise Crye-Leike's professionalism, knowledge, and responsiveness in providing auto insurance quotes and coverage for collision, medical, uninsured motorists, and car rental reimbursements. In addition to auto insurance, Crye-Leike offers real estate, mortgage, home warranty, and property management 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.
4.5
Google
4.8 / 5 (24)

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
––
Hollis & Burns Insurance Agency logo
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Hollis & Burns Insurance Agency

700 Colonial Rd Ste 250, Memphis, TN 38117
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Business Description

For over 35 years, Hollis & Burns Insurance Agency has been providing automobile insurance to customers in Memphis and surrounding areas. As licensed insurance providers, the agency assists customers with the right coverages including medical payment, property damage, physical damage, and bodily injury liability. Hollis & Burns is an independent insurance agency and takes on the role of personal risk advisor and advocate to find the right solution for clients at the right price.

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 (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
Horizon Insurance Group logo
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License Verified:

License: 2048445

Tennessee Department of Commerce & Insurance

Horizon Insurance Group

3181 Poplar Ave Ste 318, Memphis, TN 38111
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  • Multiple Carriers

Business Description

Horizon Insurance Group, L.L.C., serves clients in Memphis and the surrounding areas. It provides automobile insurance which has different coverage options, including property damage and bodily injury liabilities, medical payments or personal injury protection, collision, comprehensive, and uninsured motorists. Its other services include medical, home, business, and farm insurance. Tom Murphy, who has been managing the agency for over 30 years, is a chartered financial consultant and an IARFC member.

License Verified:

License: 2048445

Tennessee Department of Commerce & Insurance

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 (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
Kellet Insurance Agency logo
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License Verified:

License: 725752

Tennessee Department of Commerce & Insurance

Kellet Insurance Agency

4608 Quince Rd, Memphis, TN 38117
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  • Boats

Business Description

Since 1995, Kellet Insurance Agency has been providing auto insurance services to individuals, families, and businesses in Memphis. It offers policies that account for bodily injury, collision, physical damage, and property damage. It also covers uninsured and underinsured drivers, gap insurance, and fire and theft damage. Gary L. Kellet, the founder, is the senior chairperson for the Alliance of Tennessee Agents and has over 26 years of industry experience. He also holds a property and casualty insurance license in Mississippi.

License Verified:

License: 725752

Tennessee Department of Commerce & Insurance

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 (49)
Yelp
3.0 / 5 (2)
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
––
Kellon Insurance Agency, Inc. logo
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Kellon Insurance Agency, Inc.

2951 Elmore Park Rd, Bartlett, TN 38134
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Business Description

Kellon Insurance Agency Inc. is an auto insurance company that has been serving the community of Memphis, Tennessee, since 1962. The company sells auto insurance policies for providers, including State Auto, Liberty Mutual, and MetLife, that cover clients' medical bills and damages in the event of theft, vandalism, severe weather, or a collision. Other policies provide coverage for accidents with rental cars and uninsured or underinsured motorists. Kellon also offers life, homeowners, and business insurance.

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 (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
Larry E Crum & Associates logo
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License Verified:

License: 2237987

Tennessee Department of Commerce & Insurance

Larry E Crum & Associates

5165 Poplar Avenue, Suite 100, Memphis, TN 38117
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  • Bundling Option

Business Description

For over 50 years, Larry E Crum & Associates has been assisting customers in Memphis and neighboring areas with their insurance needs. Its agents provide policies for life, homeowners, business, group health, and car insurance. Their car policy offering has many coverage options available, including liability, collision, comprehensive, medical payment, and personal injury. The agency partners with different carriers, such as Liberty Mutual, Progressive, State Auto, and The Hartford. Its associate agents also speak Spanish and Vietnamese.

License Verified:

License: 2237987

Tennessee Department of Commerce & Insurance

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 (25)
Facebook
4.3 / 5 (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
Latino's 901 Insurance logo
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License Verified:

License: 2343872

Tennessee Department of Commerce & Insurance

Latino's 901 Insurance

4035 Summer Ave, Memphis, TN 38122
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  • Bundling Option

Business Description

Latino's 901 Insurance caters to clients located in the Memphis metro and surrounding areas. This Latino-owned and Latino-operated financial services firm offers local car insurance, inclusive of SR-22 filing. Its team of agents also offers home, renters', business, RV, boat, and motorcycle insurance. Its crew also works on worker's compensation benefits. The business accommodates both English and Spanish-speaking clients The company's home and auto sales specialists are also licensed to work in Mississippi and Arkansas.

License Verified:

License: 2343872

Tennessee Department of Commerce & Insurance

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
Facebook
4.5 / 5 (57)

Professionalism:

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

License: 930907

Tennessee Department of Commerce & Insurance

Liberty Mutual Insurance Dustin Hopkins

6060 Poplar Avenue #301, Memphis, TN 38119
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Business Description

Liberty Mutual Insurance Dustin Hopkins is an agency that helps Memphis clients with their financial protection and risk management needs. It offers car insurance products, helping clients find the policies that fit their needs and budgets. It holds consultations for aspiring policyholders still looking for the right auto and home insurance products. The agency represents more than 10 insurance providers for their clients to choose from. It has over three decades of experience helping clients with their personal insurance.

License Verified:

License: 930907

Tennessee Department of Commerce & Insurance

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 (179)

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
––
Pete Mitchell and Associates, Inc. logo
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Pete Mitchell and Associates, Inc.

4216 Millbranch Road, Memphis, TN 38116
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Business Description

Pete Mitchell and Associates, Inc. is a team of independent insurance agents serving clients in Memphis and nearby communities. The experts of this car insurance agency are committed to helping clients find coverage that suits their lifestyle. This firm assists in auto insurance, motorcycle insurance, motorsport and ATV insurance, and other plans that offer protection against legal or medical expenses when an accident occurs. It also handles life insurance, worker's compensation coverage, and more.

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
4.8 / 5 (16)
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
Pointer Insurance Agency logo
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Pointer Insurance Agency

8705 Northwest Dr, Southaven, MS 38671
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Business Description

Pointer Insurance Agency serves the Memphis, Tennessee, metro area, providing auto insurance services for medium sized businesses and large corporations. It frequently works for car dealerships, rental car operators, transport companies, and auto manufacturers, essentially offering insurance solutions to almost every aspect of the automotive industry. This agency also provides liability coverage for car storage lots and garages, and can procure coverage for large scale business operations involving automobiles. Pointer Insurance Agency also provides other business insurance services in a range of categories.

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
Reyle and Associates Insurance logo
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Reyle and Associates Insurance

722 Crossover Ln, Memphis, TN 38117
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Business Description

Reyle and Associates Insurance serves the Memphis, Tennesee, metro area, offering clients guidance and representation as they purchase auto insurance from affiliated providers. This agency covers standard cars and trucks as well as motorcycles, recreational vehicles, snowmobiles, and watercraft. It also insures rare and collector cars, along with various watercraft vehicles such as boats and jetskis. Reyle and Associates Insurance is a full service firm offering other personal insurance services including home and health insurance.

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 (119)
Facebook
5.0 / 5 (13)
Yelp
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
Riskbusters Insurance logo
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Riskbusters Insurance

5865 Ridgeway Center Pkwy Ste 300, Memphis, TN 38120
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Business Description

Active since 2003, Riskbusters Insurance is a Memphis, Tennessee-based agency serving clients throughout the metro area. Founder George Barzizza has over 16 years of experience in the insurance industry and his agents assist clients with auto insurance purchases by helping them to find competitive rates and cover both required and optional risk areas. Some of its partner companies include Progressive Insurance, The Hartford, and Travelers. Riskbusters Insurance also offers home insurance 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
5.0 / 5 (64)
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
––
Sanders Insurance Agency logo
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License Verified:

License: 880149

Tennessee Department of Commerce & Insurance

Sanders Insurance Agency

5705 Mount Moriah Rd., Memphis, TN 38115
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  • Multiple Carriers

Business Description

Established in 2012, Sanders Insurance Agency provides its services to clients in Memphis. The company offers automobile insurance that provides coverage for uninsured motorists, liability, collision, towing, and rental. Its staff handles roadside assistance medical payments and life insurance. It also helps drivers with SR-22 filing. Other insurance offerings include homeowners' and professional liability insurance. Sanders Insurance Agency is led by Velvet Sanders, who has been in the insurance business since 2001, and Micheal Sanders, who has extensive experience in the automotive industry.

License Verified:

License: 880149

Tennessee Department of Commerce & Insurance

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
4.6 / 5 (9)
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
Smith-Berclair Insurance logo
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License Verified:

License: 29

Tennessee Department of Commerce & Insurance

Smith-Berclair Insurance

5118 Park Ave, Suite 400, Memphis, TN 38117
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  • Multiple Carriers

Business Description

Smith-Berclair Insurance caters to individuals in Memphis and nearby areas. Its auto insurance helps clients protect their vehicle in instances of collision like property damage, covering liabilities, medical, and personal injury protection. In addition, it offers home insurance that protects personal possessions, homes' physical structures, replacement costs, and additional living expenses. It also provides commercial property insurance, safeguarding furniture, equipment, landscaping, outdoor signs, and lost inventory. Smith-Berclair Insurance has been providing insurance services since 1966.

License Verified:

License: 29

Tennessee Department of Commerce & Insurance

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
5.0 / 5 (4)
Facebook
5.0 / 5 (4)
Yelp
3.5 / 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
Steve Womack logo
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License Verified:

License: 757633

Tennessee Department of Commerce & Insurance

Steve Womack

848 South Cooper Street, Memphis, TN 38104
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  • Bundling Option

Business Description

Steve Womack is a State Farm insurance agent that serves customers in Memphis and its surrounding areas. He provides car insurance products that financially protect clients in the event that their vehicle overturns in an accident, hits another object, or gets damaged due to fire or hail. Womack also offers home, property, life, health, and business coverage. He has been an agent with State Farm since 2005. Womack serves as the president of the Cooper-Young Business Association.

License Verified:

License: 757633

Tennessee Department of Commerce & Insurance

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
Facebook
4.6 / 5 (18)

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
Super Insurance logo
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License Verified:

License: 2406048

Tennessee Department of Commerce & Insurance

Super Insurance

5289 Elmore Rd, Memphis, TN 38134
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  • Motorcyle & ATV

Business Description

Super Insurance is an independent agency serving clients in Memphis and the neighboring communities. It offers car insurance policies that protect owners against legal and medical expenses resulting from property damage, loss of life, and injuries in the event of an accident. The company also provides risk management solutions for home and commercial property owners and HOAs. To provide coverage options that suit the individual needs and financial conditions of clients, Super Insurance partners with several insurance companies that include Kemper, MetLife, and Travelers.

License Verified:

License: 2406048

Tennessee Department of Commerce & Insurance

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 (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
Tom Wigington & Associates Insurance Agency logo
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License Verified:

License: 622708

Tennessee Department of Commerce & Insurance

Tom Wigington & Associates Insurance Agency

3355 Poplar Suite 101, Memphis, TN 38111
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  • Bundling Option

Business Description

Tom Wigington & Associates Insurance Agency is a family-owned and family-operated firm that serves individuals and families in Memphis and neighboring areas. Since 1958, it has been specializing in motorcycle and car insurance available for both car owners and non-owners. Its agents also offer policies for homeowners who want to protect their homes and personal belongings. With access to large insurance carriers, they provide various policy options and guide clients in choosing the right coverage.

License Verified:

License: 622708

Tennessee Department of Commerce & Insurance

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

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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