Z Zack McGonigle Get My Free Quote

Insurance that actually looks out for you

I'm Zack McGonigle, an independent insurance agent with Cottonwood Insurance. I shop multiple carriers, turn quotes around the same day, and actually pick up my phone.

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Takes about 60 seconds. No pressure, no spam, just a real quote from a real person.

Free gift

FREE GIFT: The Insurance Savings Guide (a $399 value)

The do's and don'ts that save real families hundreds, plus a discount checklist and renewal tracker. Mine is free, plain English, no strings attached.

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Zack McGonigle, independent insurance agent with Cottonwood Insurance
Zack McGonigle, Cottonwood Insurance
About Zack

Your neighbor first, your agent second

I'm a God-first family man living in Lehi, Utah, and I work out of the Cottonwood Insurance office in Cottonwood Heights. I got into insurance for a simple reason: I watched too many people pay too much for coverage they didn't understand, from agents they couldn't reach.

I do it differently. I'm independent, so I'm not locked into one company's prices. I answer my phone, because when something goes wrong you need a person, not a phone tree. And I explain things in plain English, because you should never sign something you don't understand.

Whether it's your car, your home, your business, or your family's future, my job is to make sure you're protected without overpaying for it.

  • God First
  • Family Man
  • Lehi Local
  • Independent Agent
What I help with

Coverage for every part of your life

Five areas, one point of contact. Tell me what you need and I'll shop the carriers to find your best fit.

Auto Insurance

For drivers who want solid protection at a fair price. I'll compare rates across carriers and check every discount you qualify for, from safe driver to bundling.

Get an auto quote

Home Insurance

Your home is probably your biggest asset. I'll make sure it's covered for what it would actually cost to rebuild, not just what the last policy said.

Get a home quote

Commercial Insurance

For business owners who can't afford gaps. General liability, property, and commercial auto, built around how your business actually operates.

Get a business quote

Umbrella Insurance

Extra liability protection that kicks in when your auto or home policy limits run out. Surprisingly affordable, and a must if you have assets to protect.

Get an umbrella quote

Life Insurance

Simple, honest guidance on protecting your family's future. I'll walk you through term vs. permanent in plain English and find coverage that fits your budget.

Get a life quote

Bundle & Save

Have more than one policy? Bundling auto, home, and umbrella with the same carrier is usually the fastest way to cut your total premium.

Get a bundle quote
How it works

Three steps to better insurance

No appointments, no 40-minute phone calls. Just a quick form and a real person doing the shopping for you.

1

Tell me about yourself

Fill out a 60-second form with the basics. That's it. No personal data sold, no robocalls, I promise.

2

I shop carriers for you

As an independent agent, I compare quotes from multiple carriers and find the best mix of price and coverage for your situation.

3

You pick the winner

I lay out your options in plain English. You choose what fits. I'm here after the sale too, whenever you need me.

Start Step 1: Get My Free Quote
Reviews

What clients say

Real reviews are on the way. Here's the kind of experience I aim for with every client.

★★★★★
"Zack shopped my auto and home and saved me over $900 a year. Same coverage, better price, and he actually explained what I was buying."
Sample testimonial, Utah homeowner
★★★★★
"I called on a Tuesday and had a quote by lunch. When my lender needed proof of insurance, Zack had it over in an hour."
Sample testimonial, first-time homebuyer
★★★★★
"Finally, an insurance guy who picks up the phone. He walked me through my business policy line by line and found gaps my old agent missed."
Sample testimonial, small business owner

These are sample reviews showing the experience clients can expect. Real client reviews will appear here as they come in.

FAQ

Questions people ask me

A captive agent works for one insurance company and can only sell you that company's policies. I'm independent, which means I work with multiple carriers and can shop around to find the best price and coverage for you. If one carrier raises your rates, I can move you to another. A captive agent can't do that.

No. My service is free to you. I'm paid a commission by the insurance carrier you choose, and that commission is already built into the price whether you use an agent or buy direct. You get a personal shopper at no extra cost.

Same day in most cases, often within the hour during business hours. Fill out the 60-second form and I'll get to work right away. If your situation is complex, I'll tell you upfront what to expect and keep you posted.

Usually, yes. Most carriers offer multi-policy discounts of 10 to 25 percent when you combine auto and home, and adding umbrella often costs less than people expect. I'll run the numbers both ways so you can see the difference for yourself.

Just the basics to start: your name, contact info, and what you want covered. For auto, I'll need your vehicles and drivers. For home, your address and some property details. The quote form walks you through it in about a minute.

I'm licensed in Utah, Oregon, and Arizona. I work out of the Cottonwood Insurance office in Cottonwood Heights, Utah, and I live in Lehi.

The Insurance Brief

Insurance news, twice a week, in plain English

Contact

Let's talk

Call, email, or start with the quote form. I actually pick up, and if I miss you, I'll call back the same day.

Reach me directly

(385) 541-2801

zackm@cottonwoodins.com

Office: Cottonwood Heights, Utah
Serving Lehi, Utah County, and clients across Utah, Oregon, and Arizona.

Prefer to start online?

The 60-second quote form is the fastest way to get numbers in front of you. Fill it out anytime and I'll take it from there.

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