About Low Cost Insurance

At Low Cost Insurance, we are an independent agency who represent numerous insurance companies to help clients find the coverage they need, at the best price guaranteed! Our agency opened in 2013 to provide a platform where clients can shop numerous A+ rated insurance companies in a single click. We want to simplify the insurance buying process and give our clients the power to choose!

Benefits of having an Independent Agent

As an independent agency, there are many advantages that we provide our clients. Some of the benefits that our agents provide include:

• Ability to quickly check prices and coverages with dozens, if not hundreds, of different insurance companies. Since rates vary widely an independent agent can very likely get you a better deal than you can get for yourself. They can even get you insurance from a 'direct writer' like you could get for yourself.
• One-stop-shop for all of your insurance needs. An agent typically doesn't sell just auto insurance. They also sell homeowners, renters, health and life insurance, business insurance etc. Use them at no cost to yourself, to handle all of your insurance in one place.
• Reliability - Coverages don't just vary from state to state, they vary from company to company within the same state. Many companies use what are known as 'manuscript' policy forms. These forms don't necessarily use industry-standard wording and may contain altered provisions that materially affect you in some way or some unknown way if you don't have an expert advisor who is familiar with a policy's quirks.
• No surprises.

Insurance is a complicated subject. It's your agent's job to understand it, and communicate it to you so that you understand it just as well. In almost all cases, an ordinary consumer will benefit from having someone who deals with this subject for a living advise them on a 50+ page contract. If there are any hidden surprises, a licensed agent is the one equipped to know where they are. Even if you understand insurance thoroughly you can get tripped up: The industry is regulated on a state-by-state basis. Move from one state to another and you'll find that the coverages may look the same at first glance, but on closer examination things work a bit differently (very differently, in some states).

Take advantage of our independent agents at Low Cost Insurance. We're here to help you!