About us
An independent agency, on your side of the table
We help individuals, families and businesses across the States find affordable and reliable insurance products from multiple insurance companies. Our main focus is to provide high-quality coverage solutions that keep our customers happy and well protected.
Who we are
Not tied to any one insurance company.
A captive agent can only sell you their own company's policies. We are independent, which means we can put your situation in front of dozens of insurers and recommend whichever one comes back best. Our dedicated team of professionals is knowledgeable and committed to giving you the best possible experience while you search for the right insurance.
What our team does for you
- Assess your risks and work out the cover you actually need
- Bring you quotes from multiple trusted providers at competitive prices
- Find the best combination of price and coverage for your situation
- Explain what your coverage does and does not include, in plain language
- Support you through the claims process when you need to use it
Request a quote or give us a call today at 888-888-9914 and we will provide you with free, no-obligation, hassle-free quotes.
Why ChaCha
Four good reasons to let us do the shopping.
Choosing from the numerous insurance companies out there, for the right cover to protect you, your family and your business, can be a daunting task. Partner with us and you get a wide range of options with less work and more benefit.
Our customer-comes-first approach
We are passionate about customer satisfaction and strive to build long-lasting relationships with our clients. Our well-trained, professional staff will always be there with you every step of the way, from acquiring quotes to selecting the right policy to handling claims.
Expert advice at your fingertips
We are an efficient and dedicated team of professionals who know the ins and outs of the insurance industry. We use our knowledge and expertise to help you customize your plan to get the insurance that suits your individual needs.
The best coverage and price
As an independent company, we are not confined to any single national or direct-sell insurance company. We carefully research rates and coverage details from proven, reputable companies to help you pick the best deal at the lowest price. It also gets your coverage processed faster.
A stress-free experience
Our hassle-free claims, trustworthy partners and well-built network make your insurance experience easy and convenient. You can be stress-free knowing we are in step with the industry and can help you find a plan that protects what matters to you.
How ChaCha works
Our four-step process.
We follow a structured approach to find the right solution for your personal and business needs, so you end up with a well-constructed plan that suits your situation rather than an off-the-shelf one.
Analyze your insurance needs
Whether you call, visit us directly or fill in our online form, we start by getting to know your personal and financial goals. Once we understand your requirements, we share our process for meeting your insurance needs and protecting your lifestyle.
Shop for your quote
Next we build up the best options for you. When you submit your information, we shop around and compare your plan against dozens of insurance companies for the most competitive quotes. Once we are satisfied you are getting the best terms in the marketplace, we contact you.
Put your policy into place
We discuss how the quotes meet your needs, along with additional limit choices and coverage options. Once you agree on a plan, our agent streamlines your policy and makes sure the process goes smoothly so you can be covered as quickly as possible.
Review and follow up
Your policy and payments are set up, but our service does not stop there. We stay in your corner if you need advice, and we keep in touch from time to time to review your plan and make sure it keeps up with the changes and challenges of your life.
Questions
The things people ask before they call.
How are you different from other insurance companies?
We are not an insurance company. We are an independent agency. A captive agent can only sell you their own company's policies. Because we are not tied to any single national or direct-sell insurer, we can compare rates and coverage across dozens of companies and recommend the one that actually fits you.
How does ChaCha work?
Four steps. We start by understanding your situation and what you need to protect. We shop your details against dozens of insurance companies for the most competitive quotes. We go through the options with you and put the policy you choose into place. Then we stay in touch to review the plan as your life changes.
How does ChaCha make money?
Like most independent agencies, we are paid a commission by the insurance company when you buy a policy through us. You do not pay us a separate fee for quotes or advice, and a quote through ChaCha does not cost more than going to the same insurer directly.
Is ChaCha licensed?
Yes. Insurance agencies are licensed state by state, and we can only place coverage in states where we hold a license. Our license details are listed on our licenses page. If you do not see your state there, get in touch and we will tell you straight away whether we can help.
Why should I trust ChaCha?
Judge us on the quote. What clients tell us again and again is that calls get answered, coverage gets explained in plain language, and the rates come back competitive. There is no obligation to buy anything, so the only thing a quote costs you is the time it takes to ask.
How much does a quote cost?
Nothing. Quotes are free, with no obligation and no pressure. Request one online or call 888-888-9914 and we will come back with your options.
Can you handle my claim?
We will help you through it. Claims are settled by the insurance company that issued your policy, but our staff will walk you through the process, chase what needs chasing, and make sure you understand where things stand. Start a claim from our service page or call us.
Can I bundle policies together?
Usually, yes, and it is one of the easiest ways to save. Insuring more than one vehicle on a policy, or putting your home and auto with the same carrier, often earns a multi-vehicle or multi-policy discount. Tell us everything you need covered and we will price the combinations.
Start saving today
Let ChaCha do the shopping.
Tell us what you need covered and we will compare dozens of insurance companies for you. Free, no obligation, and no pressure to switch.
Prefer email? Write to [email protected]