C A R Insurance Services

What C A R Insurance Services does

C A R Insurance Services is an independent insurance agency headquartered in a single office at 3232 South Main Street, Suite D, Akron, Ohio. Founded in approximately 1994, the agency has operated for over 30 years serving individuals, families, and small-to-mid-sized businesses across Ohio, with a stated focus on Akron, Canton, and Youngstown. The agency represents eight insurance carriers — Erie Insurance (its primary specialty partner), Progressive, Hagerty, Foremost, Selective Flood Insurance, Grundy, American Collectors Insurance, and American Strategic Insurance — and offers personal lines (auto, home, boat, motorcycle, renters, condo, flood, high net worth), commercial lines (BOP, commercial auto, commercial property, general liability, professional liability E&O, umbrella, surety bonds, hospitality, manufacturers), life and health (individual life, health, Medicare, disability, final expense), and group benefits (group life, group LTC).

The agency earns revenue through commissions on new policy sales, renewals, and coverage add-ons from its carrier partners, with pricing set quote-by-quote based on individual risk factors and selected carrier. Its go-to-market is a traditional sales-led model combining in-person consultations at the Akron office, phone-based sales and service, and website-driven quote requests. The technology stack is modest: a WordPress website built on the BrightFire insurance web design platform, supplemented by online forms, SMS messaging, and a blog producing insurance education content dated 2021 through 2026. There is no mobile app, no API, no proprietary software platform, and no AI or ML capabilities.

The company has grown historically through a roll-up strategy, completing three acquisitions of Ohio independent agencies: Farmhouse Insurance in 2004, Viegel Insurance in 2005, and Eshbaugh Insurance in 2008. No acquisitions have been disclosed since. The agency remains privately held with no disclosed venture capital, private equity, or institutional ownership. Marketing channels include an educational blog, organic social media on Facebook and X (Twitter), a Refer a Friend program, and customer testimonials displayed on the website. The business is fundamentally a relationship-driven local distribution intermediary between Ohio consumers/SMBs and national insurance carriers.

Name

C A R Insurance Services

Legal name

C A R Insurance Services

Website

https://c-a-r-insurance.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

C A R Insurance Services is an independent Ohio insurance agency headquartered in Akron, serving individuals, families, and small-to-mid-sized businesses across the state by brokering policies from eight insurance carriers, primarily Erie Insurance.

Ownership category

akta.pro rank

Headquarters

HQ city

Akron

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Insurance Commissions: As an independent insurance agency, C A R Insurance Services earns commissions from insurance carriers for policies sold and serviced. They represent multiple insurance companies including Erie Insurance, Progressive, Hagerty, Foremost, Selective Flood Insurance, Grundy, American Collectors Insurance, and American Strategic Insurance. Revenue is generated through commissions on new policy sales, policy renewals, and additional coverage add-ons.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

C A R Insurance Services is an independent insurance agency that sells and services personal, commercial, life, health, and group benefits insurance products on behalf of multiple insurance carriers. The agency offers quality insurance at reasonable rates with a variety of premium payment plans, providing customers with the ability to compare quotes across multiple carriers including Erie Insurance, Progressive, Hagerty, Foremost, Selective Flood Insurance, Grundy, American Collectors Insurance, and American Strategic Insurance.

Product overview

C A R Insurance Services is an independent insurance agency offering a comprehensive portfolio of insurance products through multiple carrier partnerships. The agency operates as a single-location agency (not a unified software platform) providing Auto, Home & Personal Insurance (including auto, homeowners, boat, motorcycle, renters, condominium, flood, and high net worth coverage); Business Insurance (including commercial auto, commercial property, general liability, professional liability E&O, business interruption, commercial umbrella, manufacturers, hotel/hospitality, and surety bonds); and Life & Health Insurance (including individual life, health, disability, Medicare, and final expense). The agency also offers Group Benefits including group life and group long-term care insurance. As an independent agency with over 30 years of service in Ohio, they represent multiple insurance carriers including Erie Insurance (their primary specialty partner), Progressive, Hagerty, Foremost, Selective Flood, Grundy, American Collectors, and American Strategic Insurance.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance
• Homeowners Insurance
• Business Insurance
• Life Insurance
• Health Insurance
• Medicare Insurance
• Group Life Insurance
• Group Long-Term Care (LTC) Insurance

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core.

• Erie InsurancecoreChannel Partner/ Reseller/ DistributorPrimary carrier partner specializing in Erie Insurance products. The agency highlights Erie Insurance as a featured partner, with dedicated quote tools, bill payment, life insurance calculator, and online account access links. Erie Insurance has been helping customers since 1925 with auto, home, business, and life insurance needs. Erie Insurance ranked #1 in J.D. Power 2025 Small Commercial Insurance Study.
• The Progressive CorporationcoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering auto insurance and other personal lines products through the independent agency.
• Hagerty InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in classic car and collector vehicle insurance.
• Foremost InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering various specialty insurance products through the independent agency.
• Selective Flood InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in flood insurance coverage.
• GrundycoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering specialty insurance products.
• American Collectors InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner specializing in collector and classic vehicle insurance.
• American Strategic InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner offering home and personal insurance products. The agency prides itself on helping customers find coverage at affordable prices through American Strategic Insurance.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Allstate: National P&C carrier with captive and some independent distribution. Competes for the same personal and small-commercial accounts C A R Insurance Services targets in Ohio.
• Erie Insurance: Primary carrier partner of C A R Insurance Services and a regional property-and-casualty insurer with strong small-commercial and personal-lines products in Ohio and the Mid-Atlantic. Comparable because Erie both distributes through and competes for the same Ohio customers the agency serves.
• Westfield Insurance: Ohio-based super-regional P&C carrier that sells exclusively through independent agents. Comparable in its Ohio roots, independent-agency distribution, and product mix spanning personal, commercial, and surety lines.
• The Cincinnati Insurance Companies: Ohio-headquartered multi-line carrier selling through independent agents in the Midwest. Highly comparable as an Ohio-based carrier-distribution model with overlapping personal and commercial product lines the agency also sells.
• Progressive: Both a carrier partner and a direct-to-consumer competitor of C A R Insurance Services. Comparable because Progressive sells the same auto product lines through both direct digital channels and independent agents in Ohio.
• Brown & Brown, Inc. Large national insurance brokerage that aggregates independent agencies and competes for commercial accounts. Comparable as a roll-up consolidator in the same independent-agency distribution space C A R operates in.
• State Farm: Largest U.S. personal-lines insurer with a captive agent model. Comparable because State Farm agents compete directly for the same Ohio auto/home customers C A R serves, even though the distribution model differs.

Emerging players

• Policygenius: Digital-first insurance marketplace that compares life, home, and auto quotes from multiple carriers. Comparable because it performs the same multi-carrier shopping function as C A R Insurance Services but through a direct-to-consumer digital channel.

Regional players

• Central Insurance: Ohio-based regional P&C carrier distributed through independent agents. Comparable as a fellow Ohio-focused independent-agency channel carrier competing for the same small-commercial and personal-lines accounts.

Direct peers

• Hagerty: Specialty carrier for collector and classic vehicles, also a carrier partner of C A R Insurance Services. Comparable as a niche-lines specialist whose products the agency distributes in Ohio.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/CAR_Ins1
• Facebookfacebook.com/CAR-Insurance-Services-298751400278995/?fref=ts

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about C A R Insurance Services