Frequently asked questions

It means we don't work for one insurance company — we work for you. A "captive" agent can only sell one carrier's products, no matter the price. As an independent agency, Devier Insurance partners with many top-rated carriers, compares their coverage and rates side by side, and recommends the option that genuinely fits you best.

We take your information once and shop it across multiple carriers, comparing not just premiums but deductibles, coverage limits, and discounts (multi-policy, safe driver, protective devices, and more). Because carriers price the same risk very differently, this comparison often uncovers meaningful savings — without cutting the coverage you actually need.

No. Our compensation comes from the carriers, and the rate you pay through us is the same rate the carrier would charge you directly. You get professional advice, comparison shopping, and claims support at no added cost.

Usually, yes — and it's one of the easiest ways to save. Most carriers offer a significant multi-policy discount when you place your home (or renters) and auto insurance together. We'll run the numbers both ways and show you whether bundling wins for your situation.

For most auto, home, and renters quotes, we can have options ready the same business day — often within a couple of hours. Business policies and life insurance can take a little longer depending on the details, but we'll always tell you what to expect up front.

Absolutely — this is where having a local agent really pays off. If you have a loss, call us first. We'll help you report the claim, explain what your policy covers, and stay involved until it's resolved. You'll never be left to fight through a claims process alone.

Bring us your renewal. Because we represent many carriers, we can re-shop your coverage and often move you to a comparable (or better) policy at a lower rate. Even if you didn't buy your current policy from us, we're glad to review it for free.

Less than you'd think. For auto: drivers' names, dates of birth, and vehicle info (a VIN helps but isn't required to start). For home: the address and a little about the house. If you have a current policy, its declarations page tells us most of what we need to compare apples to apples.

Toledo is home base, but we serve families and businesses throughout Ohio. Wherever you are in the state, you get the same personal service — by phone, email, or in person.

Just call us — that's the point of having one agent for everything. New car, new home, new teen driver, new business venture: we'll adjust your coverage, re-check your discounts, and make sure nothing falls through the cracks as your life changes.