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About Us


Tom RinehartCrenshaw-Rinehart & Associates formed in 1990 after a five-year cluster arrangement between The Crenshaw Agency and Rinehart Insurance. The Crenshaw Agency was established in 1976 by Rayford Crenshaw II and for the first five years in business sold group life and health products, to small to medium size businesses. During the same time period the principle also worked in the claims department with Allstate Insurance Company, as a claims adjuster, adjusting property damage claims and bodily injury claims. Finally in 1981 opened a multiline independent agency, offering all lines of insurance.

Mr. Tom Rinehart founded Rinehart Insurance after a long career as regional manager with Horace Mann Insurance Company, in 1979. Rinehart’s experience and knowledge of the insurance industry expands over two decades, eventually he added his sons to the business and today his son Roderick K. Rinehart operates the agency. Tom took an early retirement and left Rod as principle of the independent multiline insurance agency.

Both agencies decided to merge into one after years of operating as a cluster arrangement and sharing resources, so 1990 made the merger official Rayford Crenshaw II brought to the firm a Pre-Law Business Degree with a Marketing minor and at that time fourteen years experience in insurance sales, the first five was claims related, therefore adding vital risk selection and identification skills.Roderick K. Rinehart being raised in the insurance business came to the agency with tremendous organizational and sales skills, couple with a degree in Business.

Crenshaw-Rinehart & Associates is designed to offer insurance at an attractive price to a preferred group of auto, home, and business owners, (Average to Above Average). The Agency objective is to aggressively seek these quality risks, we feel a preferred risk is identified by certain common characteristics. The following characteristics are by no means all-inclusive, they are only meant to both reinforce and more fully explain the concept of preferred business.

  1. A driving record superior to the average driver in terms of accidents and violations.
  2. Sufficient experience to cope with emergency situations
  3. Risks that reflect excellent maintenance
  4. Low exposure to hazards
  5. Stability of the insured in employment, financial matters, family ties, social activities, etc.

An Independent Advantage

We are Independent Agents in Indianapolis, Indiana, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Crenshaw-Rinehart & Associates represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price. What is an Independent Insurance Agent? When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice! The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company. With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision. An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible. When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.