Insurance Geek

About Insurance Geek

Most people buy insurance they don't understand. We fixed that.

We teach you how coverage works first. Then one licensed agent shops 30+ carriers, finds the policy that fits, and keeps watching your rates after you buy. No lead selling. No carrier quotas. No pressure.

Insurance Geek illuminated sign with mascot and logo at the Columbus office

Since 2018

Site went live

  • 50

    States licensed

  • 30+

    A-rated carriers

  • 20+

    Years writing policies

  • Columbus

    Ohio headquarters

Why we're independent

We learned what a rate hike does to a client the hard way.

Brad Cummins ran a Farmers Insurance agency in Hilliard, Ohio for almost nine years. When the rate increases came, he watched good clients get squeezed, and he had only one company to offer them.

So in 2014 he sold the agency and went independent. Now when a carrier raises your rate, we shop it again and move you.

Here's the difference. A captive agent works for one insurance company and can only sell what that company offers. An independent agent works for you. We compare 30+ carriers, we have no quota to hit with any of them, and our job doesn't end when you sign.

That's why you get one agent for the life of your policy, and why we keep checking your price at every renewal. Selling you a policy is easy. Keeping you in the right one is the work.

Read the full story →

How we're different

Three things we won't do to you.

The insurance industry has some bad habits. We built the agency around refusing them.

We won't

Sell your information.

Your details stay with us. They never go to lead buyers, brokers, or anyone chasing a quick commission.

We won't

Lock you into one carrier.

We have no carrier quota. If your rate goes up at renewal, we shop it again and move you if there's a better fit.

We won't

Disappear after the sale.

One licensed agent handles your quote, renewals, claims, and changes. No call center. No starting over with someone new.

How it works

Understand it. Compare it. Keep it right.

  1. Step 1

    Learn

    Read plain-English guides written by licensed agents. Know what you're shopping for before you talk to anyone.

  2. Step 2

    Compare

    Enter your details once. We shop the carriers and show real prices side by side.

  3. Step 3

    Stay covered

    Your agent binds the policy. Our own software, Fat Agent, watches every renewal. If the price jumps, we reshop it.

Our team

The people behind your quote.

Licensed agents and operators who answer the phone, write the guides, and stand behind every policy.

Brad Cummins

Brad Cummins

Owner & Principal Agent

Licensed since 2004. Former Farmers agency owner who went independent, then built Fat Agent, the software that runs the agency.

LinkedIn →
Brianna Baiocco

Brianna Baiocco

P&C Operations Director

Runs home, auto, and renters operations so quotes move fast and policies are set up right.

Ryan Wood

Ryan Wood

Agency Sales Director

Leads the agent team and makes sure every client gets one point of contact.

LinkedIn →
Michael Cummins

Michael Cummins

Chief Revenue Officer

Oversees growth and carrier partnerships across the agency.

Pip, the Insurance Geek mascot

Know what you're buying before you buy it.

Get real quotes from 30+ carriers and one licensed agent who stays with you after the sale. It takes a few minutes, and your info stays with us.

Compare My Quotes

Insurance Geek LLC is a licensed independent insurance agency, not a lead generation website.