Personal auto policies
Liability, collision and comprehensive quoted across every carrier that will write you.
Independent since 1998
Your rate went up because nobody reshopped it
We quote a dozen carriers, and we do it again every renewal instead of letting your premium drift upward for years.
12carriers compared
28 yrsserving Toledo
$412average yearly savings
6,900vehicles insured
Coverage we write
Cars, trucks, teens and the tricky cases
Every carrier prices risk differently, which is exactly why one quote tells you nothing.
SR-22 and high risk filings
Filed with the state the same day so you can get your license reinstated.
Teen driver coverage
We find the carriers that price young drivers reasonably and stack the available discounts.
Classic and collector cars
Agreed value coverage with mileage terms that fit how the car is actually driven.
Home and auto bundling
We check whether bundling genuinely saves money instead of assuming it does.
Annual policy review
Every renewal we requote the market and tell you if it is worth switching.
About the agency
A Monroe Street office, not a call center
Fairlane has been writing policies on Monroe Street since 1998 and is now run by the founder's daughter. Because we are independent we can move you between carriers when your rate stops being competitive, and we do that automatically at renewal rather than waiting for you to get angry about the bill. When you call, someone in this office picks up.
•We reshop your policy at every renewal, not just at signup
•Claims help from a person who knows your file
•Walk in service without an appointment
Reviews
Toledo drivers on Fairlane
“My premium had climbed to two hundred and ten a month with no tickets. They moved me and I pay one thirty four for better coverage.”
Kevin A., Sylvania
“Needed an SR-22 in a hurry. Filed that afternoon and I had my license back that week.”
Ashley R., Toledo
FAQ
Car insurance questions
Why did my premium go up when I had no accidents?
Carriers raise rates statewide based on repair costs, claims trends and vehicle theft, and a clean record only protects you from your own surcharges. That is why the same policy can cost twenty percent more after three years of nothing happening, and why reshopping matters.
How much liability coverage should I carry?
State minimums are far below what a serious injury claim costs, and anything above the limit comes out of your assets and wages. Most of our clients carry at least 100/300/100, and going from minimum limits to that level often costs less per month than people expect.
Should I drop collision on an older car?
A reasonable rule is to consider dropping it when the annual collision premium exceeds about ten percent of what the car is worth. We will pull the actual cash value and show you the math rather than guessing.
Will adding my teenager really double my bill?
It is a large increase, though rarely double if we place you carefully. Carriers vary enormously on young driver pricing, and good student, driver training and telematics discounts stack. We quote the whole household together for that reason.
Contact
Bring us your declarations page
Email or drop off your current policy and we will tell you within a day whether you are overpaying.
Phone(555) 555-0127
Address5240 Monroe St, Toledo, Ohio
HoursMon to Fri 8:30am to 6pm, Sat 9am to 1pm
AreaToledo, Sylvania, Maumee, Perrysburg, Bowling Green