Finding good auto insurance in Belton can be challenging since there are a lot of options and finding the best Texas insurance agency is harder than just driving to the closest agent’s office. You require a great agent that can assess your needs, and also the lowest rates for auto insurance in Belton.
With consumers having so many companies to choose from, it can be hard to pick the most cost effective provider.
Shop online but buy locally
Professional agents are trained to spot inefficiencies and help submit paperwork. The best thing about comparing insurance prices online is you can get lower rates and still have an agent to talk to.
For easy comparison, once you complete this short form, your insurance coverage information is emailed to local insurance agents who will give you bids for your insurance coverage. You don’t have to leave your computer as quotes are delivered straight to your inbox. Now that’s easy! You can find the lowest rates and an insurance agent to talk to.
Picking an insurance agent requires more thought than just the price. Any agent should have no problem answering these questions:
- Are there any discounts that you might be missing?
- Do they assist clients in filing claims?
- How much can you save by raising your physical damage deductibles?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Does the agency support the community they serve?
- Does the agency provide any after hours assistance?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do the companies they represent have a solid financial rating?
Different types of Belton car insurance agents
When looking for a reputable insurance agent or broker, there are two different types of agents that differ in how they can insure your vehicles. Agencies in Belton are classified as either independent (non-captive) or captive.
Captive Insurance Agents
Captive insurance agents write business for a single company such as AAA, State Farm, Farmers Insurance and Allstate. They are unable to compare other company’s rates so they have to upsell other benefits. Captive agencies are usually quite knowledgeable in insurance sales which helps them compete with independent agents.
Shown below are captive insurance agents in Belton willing to provide comparison quotes.
State Farm Insurance – 600 Forest Dr # H – Belton, TX 76513 – (254) 939-5846
Farmers Insurance Group – 314 E 6th Ave – Belton, TX 76513 – (254) 933-9765
Allstate Insurance – 1400 N Main St – Belton, TX 76513 – (254) 939-9268
Independent Agencies or Brokers
These agents do not work for one specific company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part. When comparing rates, it’s a good idea to get quotes from at least one independent agent for the best price selection.
Listed below are Belton independent insurance agents that are able to give comparison quotes.
Insurance Network Of Texas – 511 Lake Rd – Belton, TX 76513 – (254) 933-1708
Extraco Insurance – 400 E Central Ave – Belton, TX 76513 – (254) 774-5500
Troy Ashford Agency – 700 Lake Rd # A – Belton, TX 76513 – (254) 933-2007
To view a complete directory of Belton insurance agents, click here to link.
Upon receiving satisfactory answers to any questions you have and a good coverage price, it’s possible that you found an insurance agent that is a good match to service your policy.
Is buying direct online an option?
Licensed agents can be invaluable at times, but you can also find affordable Texas auto insurance from companies direct over the internet. Some car insurance companies like Allstate and State Farm that sell primarily through agents also give you the ability to buy direct online, and online price comparisons are easy if you’re trying to lower your rates.
If you’re concerned about not having an insurance agent’s advice when buying online, this is expected but don’t let that bother you. Insurance companies that allow you to purchase coverage all have toll-free customer service to help you decide which coverages are appropriate.
Does buying online save money? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since companies use quite a few components that influence the price you pay. It’s a logical assumption that buying directly from the company saves by not paying a commission. For most online online companies, however, there are high advertising and marketing costs and that can cost more than having to pay agents.
One last thing about your coverage
Low-cost auto insurance is possible on the web and with local Belton insurance agents, so you should compare both so you have a total pricing picture. A few companies do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.
Insureds change insurance companies for a variety of reasons including poor customer service, questionable increases in premium, denial of a claim and an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching auto insurance companies is not as hard as you think.
More tips and info about auto insurance is available at the Texas Department of Insurance website. Texas drivers can find disaster information, find a variety of consumer forms, read enforcement actions against agents and companies, and download brochures.
Other useful links include this page for auto insurance in Texas and this resource to find Belton, TX insurance agents.