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By: Tambor R.
Universal Insurance Agency
I have rated the company 5 stars. He has been my agent over 5 yrs. He is such a wonderful man to do business with. My son bought another car that he wanted full coverage on and keep the other car with liability. If it was not for my agent we could not afford the insurance. My agent is a genius. He is very understanding of your situation and willing to accommodate you. When I went online to Nationwide they gave me a very high quote. I wasn't trying to leave my agent because he pleasant to do business with I call him to see whether he could lower his price because I did not want to take my business else where I wanted him to continue being my agent. He got me low price insurance that is extremely valuable included with roadside assistance. The Nationwide that he got me was way cheaper than the Nationwide insurance that was quoted online. Plus he gives more of an accurate quote because the other people have given me a quote way over my budget. I was able to cover both my son's cars with no worry. I am recommending my agent to everyone. You will be happy that you made the change. I am spreading the word here and everywhere. Thanks to my agent forever.
By: Joe K.
Neff And Associates Insurance Agency LLC
We had auto and homeowners insurance bundled with a major insurance company. We felt like we were over paying for the coverage so we decided to contact Don and his staff to shop rates. Neff Insurance came strongly recommended by a friend of mine. Don presented us with multiple proposals and was able to save us a significant amount for better coverage with higher benefits! If you haven't shopped around for rates fervently, I highly recommend contacting Don Neff. He will take great care of your insurance needs!Joe K. Huber Heights
By: patrickbeckel
A. Patrick Beckel
I was worried because I had the same agent for ever and was used to the way they did things. I did not realize how much I was missing out on. Patrick saved me a bunch of money on the policies I already had with him and then helped me with my retirement. The staff treats me like family, they always offer me food, drinks and presents when I stop in . I would reccomend them to everyone.
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By: Brandon G.
Farmers Insurance - Christopher Newport
Chris was very helpful with our Insurance. He sat down with me and my wife and helped us to better understand our insurance. We are more confident about our insurance now and know that it will be there should we ever need it!
By: jbushhartman
AAA Tire and Auto Service - Beavercreek
I am very disappointed in the service I received when I booked my first cruise. I f ound more info cruising the Internet thanthe info I received from them. Customer service? Should have done it myself.
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By: Kelsey L.
Joe Hickey - State Farm Insurance Agent
I had a great experence with Joe Hickey State Farm. Great rates and Service. The staff at State Farm was very friendly and helpful.
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By: Crystal L.
Huber Heights Insurance
I had three different insurance and huber is the best. Affordable and professional!! Highly recommend!!
By: Cynthia C.
Allstate Insurance Agent: Jim Twiggs
This group of individuals Always take Great Care of my family & I!
Tips & Advices
By law, you need to be insured up to the minimum amount required in your state before getting behind the wheel of any car. Beyond that, your insurance needs will vary depending on your financial situation and the amount of risk you are willing to take on.
  • Full or comprehensive car insurance is the most expensive, but often the best deal for drivers who own an expensive car, those who commute frequently or anyone who lives in an area with extreme weather or high crime rates.
  • Drivers of less expensive or older cars usually save more by opting for the minimum required policy, along with some extra coverage if they can afford it. Since the cost of repairs might exceed the total value of an older vehicle, some owners forgo collision protection in favor of greater liability coverage or personal injury coverage.
If someone other than you causes an accident while driving your car, most insurance policies will still pay for damage, according to the rules that apply. However, it’s a good idea to check with the insurance provider to be sure this is the case. Regardless, either the at-fault driver or the actual policyholder will be responsible for paying for anything not covered by insurance. People who don’t own a car but frequently borrow or rent one might consider purchasing a non-owner policy to make up the difference.
Car insurance premiums might be tax deductible in certain situations, but only with the documentation to prove it. Insurance costs may be deducted as part of overall business expenses if you use that car for work-related travel. However, this does not generally apply to taxpayers who use the standard deduction when filing their income tax returns. If your car is used for business purposes often, save all insurance-related documentation, as well as receipts, invoices and other forms of proof that your vehicle expenses were for business purposes.
Car insurers set premium prices depending on every driver’s individual risk. A huge number of details are factored into every determination of insurance risk, so the cost of any two policies can vary widely depending on the driver’s personal attributes, accident history, location, vehicle type and much more. The type of coverage you choose also impacts what you pay - premiums for minimal liability coverage will almost always be lower than those of a universal coverage policy.
The cost of car insurance is highly variable, but according to the National Association of Insurance Commissioners, U.S. motorists pay around $900 per year on auto insurance.

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