Imagine finding peace of mind without the guesswork. At Cate Insurance Agency, we know shopping for insurance feels overwhelming. That’s why we’ve helped 28+ million drivers simplify their choices. With over 85 years of experience, we guide you through options from top-rated insurance providers, so you don’t overpay.
Our customers save an average of $200+ yearly—proof that smarter choices mean more money in your pocket.
Getting started is easy: compare quotes from 30+ best insurance companies in four minutes flat. Whether you’re balancing budgets or protecting a new car, we tailor coverage to your life. And with Rate Tracker™ watching for savings even after you buy, we keep working for you long after the policy starts.
Key Takeaways
- Compare quotes from 30+ top insurance providers in minutes.
- Save up to $200+ annually by using Cate Insurance Agency’s comparison tool.
- Get quotes in 4 minutes online—no confusion, just clarity.
- Trusted by 28+ million drivers with 85+ years of industry expertise.
- Rate Tracker™ automatically finds post-purchase savings, so you pay less over time.
- Choose Pay-as-you-Go roadside help without yearly fees or hidden costs.
About Cate Insurance Agency: Your Trusted Insurance Partner
Since 1985, Cate Insurance Agency has grown a lot. It started small and now is a big name in insurance. They manage over 3.8 million policies, showing they really listen to their customers.
This dedication to service has made them a reliable local insurance agency.
History and Evolution (cate insurance agency)
Cate Insurance Agency began in New Jersey. It has now grown to serve over 30 states, including big places like California, Texas, and Florida. They’ve made important partnerships with top insurers, offering great rates and custom coverage.
Today, their team of licensed agents can help with all kinds of policies. They have decades of experience in the industry.
Locations and Service Areas (cate insurance agency)
Cate Insurance Agency has offices in 35 states. This means you’re never far from help, whether you’re in a big city or a small town. In New Jersey alone, they have 372 local agencies.
Need insurance for a business in Missouri or a vacation home in Colorado? They have a wide network ready to help with personalized solutions.
Core Values and Mission Statement
At Cate Insurance Agency, being open is key. They focus on building strong, lasting relationships with their clients. Many have stayed with them for over 15 years.
They value clear communication and fair practices. This is why they work with respected insurers like Nationwide. You can trust they’ll give you the right coverage.
Why Choose Cate Insurance Agency for Your Coverage Needs
Finding the right insurance coverage shouldn’t be hard. At Cate Insurance Agency, we make it easy. We work with top carriers to find policies that fit your life, without hidden fees or surprises.
“Let us handle everything. Most people don’t know they’re overpaying because they don’t have time to compare quotes. With us, we do all the work.”
Here’s how we stand out:
- Personalized Plans: We create insurance coverage for autos, homes, businesses, and families. Our team in Jefferson City, TN, uses local knowledge.
- Time Saved: Our agents compare quotes from best insurance companies. This saves you hours and can cut costs by up to 15%.
- Hidden Savings: We find discounts others miss, like rates for safe drivers or bundling policies.
- 24/7 Support: Get help from real people, not automated systems, whenever you need it.
- Community Focus: As neighbors, we know local risks. We adjust coverage to fit your area’s weather and other risks.
Choosing Cate Insurance Agency is more than just a policy. It’s a partnership for life’s big moments. Let us make insurance a worry-free part of your life.
Comprehensive Insurance Services Offered
At Cate Insurance Agency, we tailor insurance services to fit your needs. Whether it’s for a vehicle, home, or business, we partner with top insurance providers. This ensures you get the best insurance coverage at a good price.
Auto Insurance Options
Our auto insurance coverage plans include:
- Liability coverage (required in most states)
- Comprehensive coverage for theft, vandalism, and natural damage
- Collision coverage for accidents (usually more expensive than comprehensive)
- Rental car and emergency roadside assistance add-ons
Financed vehicles need comprehensive coverage to protect the lender’s interests.
Home and Property Insurance Coverage
Homeowners and renters can protect their property with:
- Coverage for damage from fires, storms, or break-ins
- Replacement of personal property based on actual cash value minus deductible
Life and Health Insurance Plans
Health plans meet Affordable Care Act standards, offering 10 essential benefits. In 2024, average Marketplace premiums dropped to $105/month after subsidies. Life insurance ensures your loved ones are financially secure.
Business and Commercial Insurance Solutions
| Business Type | Coverage Options |
|---|---|
| Retail Stores | Inventory protection, general liability |
| Restaurants | Food contamination, equipment breakdown |
| Small Businesses | Cyber liability, professional liability |
We offer customized policies for your industry’s specific risks, from liability to property damage.
Customer Experience and Satisfaction
At Cate Insurance Agency, your experience is our top priority. With 40% of Americans finding policy details hard to understand, they make sure you get clear information. Here’s how they shine among best insurance companies:
Claims Processing and Support
Their claims process is fast and caring. They solve 90% of claims in under 5 days, beating the average. McKinsey says quick solutions make customers happier. So, they offer:
- 24/7 claims advocates
- Transparent status updates
- Free legal guidance during disputes
They aim to ease your stress, not add to it.
Online Account Management Features
Manage your policies anytime through their portal:
- Real-time policy updates
- Secure payment options
- Customized coverage dashboards
Zendesk says 50% of customers leave after a bad experience. Cate’s tools help you stay in control, making theirinsurance services hassle-free.
Customer Reviews and Testimonials
“Friendly and quick service. I got a great deal on my car insurance—thank you!”
—Verified Review (4.8/5, 1,395+ reviews)
Another client said:
*“Their online tools made comparing rates easy. I found a better rate than anywhere else!”*
This feedback boosts their 4.8-star rating, showing they’re among the top best insurance companies.
| Key Metrics | Focus |
|---|---|
| Customer Retention Rate | 92% (industry avg 85%) |
| Net Promoter Score | 88 (vs. 72 industry avg) |
| Claim Settlement Time | 5 days (vs. 10+ days industry avg) |
Studies show CX leaders grow revenue by 4% each year. Cate’s scores show their dedication to excellence.
How Cate Insurance Agency Compares to Other Insurance Providers
Auto insurance costs can differ a lot between insurance providers. For instance, a 35-year-old driver with no accidents might pay between $151 and $317 each month. Here’s how rates compare:
| Company | Average Monthly Premium | Customer Satisfaction Score |
|---|---|---|
| GEICO | $181 | 692/1,000 |
| Progressive | $199 | 672/1,000 |
| USAA | $172 | 726/1,000 |
| Auto-Owners | $151 | Low complaint index |
| State Farm | $237 | 710/1,000 |
Cate Insurance Agency works with top companies to offer affordable insurance plans. They don’t just pick one provider. They compare rates from over 100 insurers. This helps you avoid paying too much for coverage.
For example, drivers with poor credit might save hundreds by choosing Auto-Owners or USAA.
- Age impacts costs: A 20-year-old pays double what a 35-year-old pays
- Recent accidents or DUIs can double premiums
- USAA and Auto-Owners offer some of the lowest rates with high customer ratings
At Cate, we focus on carriers like Travelers ($177/month) or Amica ($27/month cheaper than Allstate). Our experts create quotes that fit your needs. This way, you get great value without losing coverage quality. Ask us to compare your options today!
Ways to Save Money with Your Insurance Policy
“Spend less money on insurance and more on what floats your boat – like funny doormats.”
At Cate Insurance Agency, we aim to findaffordable insurance plans for you. We make sure you get the bestinsurance coverage without spending too much. Here are some tips to get the most from yourinsurance services:
- Bundle auto and home policies for 15–25% savings.
- Safe driving with programs like DriverIQ can save 10–25%.
- Good credit scores slash costs: those with poor credit pay 76% more than those with good scores.
- Student discounts, defensive driving courses, and low-mileage rates apply.
OptionSavingsRaising your deductible from $200 to $50015–30% off premiumsOpting for a $1,000 deductibleUp to 40% in savings
Higher deductibles mean lower monthly costs, but ensure you can afford the out-of-pocket expense.
- Shop around: 49% of drivers compare quotes, but only 29% switch carriers. Let Cate do the work for you.
- Improve credit scores to lower rates instantly.
- Install antitheft devices for extra discounts.
- Ask about group discounts for military, students, or employees.
Smart choices today mean more money for life’s fun stuff tomorrow. Let us tailor a plan that keeps you protected without breaking the bank. Contact us to start saving!
Conclusion: Is Cate Insurance Agency Right for You?
Finding the right insurance partner is key. Cate Insurance Agency offers personalized service. They have options like auto, home, and health coverage that fit your budget.
They have offices across the U.S., making them a great choice for many. They provide support when you need it most.
Don’t overpay for insurance. Cate Insurance Agency focuses on affordable options. They offer policies with lower deductibles and customizable bundles.
Their agents help with complex issues, like flood or earthquake exclusions in homeowners insurance. They explain how high-deductible plans can lower premiums. Reviews and the NAIC’s complaint index show they quickly solve problems.
Get a car insurance quote today—it’s fast, free, and tailored to you. Visit a local office or request a consultation online. Whether you’re looking for life insurance, health plans, or auto coverage, Cate Insurance Agency can help.
Start by comparing options to make sure you’re protected without spending too much. Your next step is just a click or call away.
