Find an Insurance Agency Near You

How to search the directory

Start with where you are. Type a town name or a ZIP code, or tap the location button to see agencies close to you. If you need help right away, the open-now filter narrows the list to agencies whose posted hours cover the current time.

Next, narrow by the kind of agency you are looking for. Someone who just bought a car, moved into a new apartment or opened a small business is usually looking for a different conversation, and the filter keeps the list to agencies that match.

If a search comes back empty, widen it. Try the nearest larger town, a neighboring ZIP code or the directory page for your state.

What each listing shows you

A listing gives you the practical details for a first call: the agency's name, its street address, its phone number and its posted hours.

Treat the listing as a starting point. Hours change around holidays, offices move, and an agency's lines of business can shift over time. Confirm the details directly with the agency before you visit, and ask about anything the listing does not show, such as the languages its staff speak.

Listings are not endorsements

Riskado is an independent directory. Listings give factual business information and are not endorsements, ratings, rankings or recommendations. Sponsored placements are labelled "Sponsored" right on the placement, wherever they appear, and an agency can pay for presentation or placement but never for a better opinion.

Paid relationships should be disclosed clearly and close to the thing they affect, according to the FTC's Endorsement Guides FAQ (opens in a new tab). That is why the "Sponsored" label sits on the listing itself and not only in a footer. The choice of which agency to call stays with you.

What to know before you call

Agencies work in different ways, and the difference affects how many options you hear about. An independent agent may sell policies from several insurers, while a captive agent generally sells for one insurer. Agents are commonly paid commissions by insurers. Brokers represent the buyer and may charge fees, receive commissions or both, so ask how compensation works before you buy.

Anyone selling, soliciting or negotiating insurance needs a license in the state where they do it. To confirm that an agent or agency is licensed where you live, check with your state insurance department (opens in a new tab).

Compare several choices, check licenses and complaint records, ask about credentials and walk away from pressure to buy, according to the NAIC's advice on choosing an insurance agent (opens in a new tab). Coverage should be compared on an equal basis, along with service, licensing, financial strength and claims handling, according to the Insurance Information Institute's background on buying insurance (opens in a new tab).

Questions to ask on the first call

A short list of questions makes the first call more useful and gives you a fair way to compare two or three agencies:

• Which insurance products and insurers do you represent?
• Are you an independent agent, a captive agent or a broker?
• How are you paid, and will I owe a separate fee?
• What coverage limits, exclusions, deductibles and discounts apply to what you would offer me?
• Which insurer would issue the policy?
• Who handles claims and after-hours problems?
• Can you give me the quote and a coverage comparison in writing?
• What languages can your staff serve me in?
• Are you licensed for this type of insurance in my state?

For a business, the questions grow. The Insurance Information Institute's guide to finding the right insurance professional for your business (opens in a new tab) is a useful place to start before you speak with a commercial agent.

Before you buy

Get the offer in writing and read it before you sign. Compare the same coverage limits and deductibles across quotes, so the price difference reflects the policy and not a gap in coverage. If something in the policy is unclear, ask the agency to point to the wording that answers your question.

If you want to understand a coverage type first, the Riskado insurance guides explain how policies work, and the state insurance guides cover the rules where you live.

Frequently asked questions

Quick answers for people using the directory.

Does Riskado sell insurance or give quotes?

No. Riskado is an independent directory and information site. Quotes, coverage and policies come from the agency you contact and the insurer it represents.

How are agencies ordered in the results?

Results follow your search, such as the town, ZIP code or location you choose. Sponsored placements carry a "Sponsored" label, and no listing is presented as the best or top agency.

Can I find an agency that speaks Spanish?

Riskado is available in English and Spanish, and you can search the directory in either language. Ask the agency directly which languages its staff speak before you schedule a visit.

I run an agency. How do I correct my listing?

Agencies can claim and correct their listing for free. Read more on the Riskado page for insurance agencies.

Start your search

Search by town or ZIP code, choose an insurance type if you need one, and tap Call on an agency that fits your location and needs.