Joe Hoguet

Tips for Finding an Agent

• Do not rely on yellow page ads
• If the agent is too busy to sit down with you, find a different agent
• Independent agents can provide quotes from multiple companies
• Captive agents only work for one company
• Agents with more experience are better at spotting coverage gaps

Insurance Buying Tip

When shopping for car insurance in Columbia, talk to your agent about increasing the deductibles on physical damage coverage to reduce your premiums Car insurance costs less if you plan to pay slightly more at claim time.

Call Joe Hoguet at (618) 281-5616 or talk to them in Columbia for insurance options.

Frequently Asked Questions

• How can I find an agent in Columbia?
• Should I raise my deductibles?
• What are minimum liability requirements in Illinois?
• Should I carry full coverage?
• What is an SR-22 requirement?