What is the difference between an insurance agent and a broker?

An agent is captive, meaning they represent only one company. A broker provides local service with the added strength of representing several insurance carriers, giving you more options for coverage and pricing.

Do insurance brokers cost more than direct insurance companies?

Not at all. Direct writers often have massive advertising budgets and labor costs that replace local broker service. We provide personalized service at competitive rates by working with over 25 carriers to find the best coverage for your needs.

Who handles my claims and day-to-day insurance service?

Your local community broker is your initial and ongoing contact for claims and service assistance. At Michael Insurance Planning, you'll talk to real people who know your name, not a 1-800 number.

513-932-7111 Get a Quote

Independent Auto Insurance Agents in Lebanon, Ohio

We shop 25+ carriers to find Warren County drivers the right coverage at the best price — one call, no pressure, no run-around.

Request a Free Quote Call 513-932-7111

Auto Insurance

Auto Coverage Built Around Your Life

Your auto insurance should fit your driving habits, your vehicles, and your budget — not whatever is cheapest on a comparison website. At Michael Insurance Planning, Jeff Michael works with over 25 carriers to match Lebanon and Warren County drivers with policies that actually protect them.

Unlike captive agents locked into a single company's rates, we compare the market on your behalf. That means better coverage options and prices you cannot get by going direct — and a local team in your corner when it matters most.

25+

Insurance Carriers

50+

Years Experience

5,000+

Clients Protected

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Coverage

What Your Auto Policy Covers

Collision & Comprehensive

Covers damage from accidents, weather events, fire, and theft — regardless of who is at fault.

Liability Protection

Bodily injury and property damage coverage required by Ohio law — protecting you if you cause an accident.

Uninsured Motorist

Covers your medical bills and vehicle damage when the at-fault driver has no insurance.

Gap Coverage

Pays the difference between your remaining loan balance and what your car is worth if it is totaled.

Rental Reimbursement

Keeps you moving with a rental vehicle while your car is in the shop after a covered claim.

Road Trouble Service

Towing, battery jump-starts, flat tire service, and lockout assistance when you need it.

Why Choose Us

Why Warren County Drivers Choose an Independent Broker

25+ Carriers, One Conversation

Captive agents can only quote one company. We compare rates across the market so you get the best available coverage and price — without spending hours making calls yourself.

A Local Advocate at Claim Time

When an accident happens, you want someone who knows your name and your policy. Our team advocates for you from the first call through the final settlement.

Annual Reviews That Keep You Competitive

Your life changes — a new vehicle, a new driver in the house, a change in your commute. We review your auto coverage every year and shop for better options when they exist.