Selecting a car insurance company in Hewitt, Texas can be time consuming since choosing the right Hewitt car insurance agent is harder than just picking up the phone. We’re assuming you want a good agent, but also the lowest possible price.
With insurance companies like Allstate, Farmers and State Farm as well as independent agents all competing for business in Hewitt, consumers have a hard time knowing which car insurance agent will provide the lowest rates and best service. To begin, you can use online price quotes to build a list of insurance agents from which to choose.
How to find Hewitt insurance agents online
Educated insurance agents can point out coverage gaps and help in the event of a claim. The best thing about getting online price quotes is that you can obtain the best rates but still work with a licensed agent. Supporting small agencies is important especially in Hewitt.
By using this short form, your insurance data is immediately sent to local insurance agents who will return price quotes for your business. You never need to leave your computer due to the fact that quote results will go straight to your inbox. Now that’s easy!
Different types of insurance agents in Hewitt
When looking for local Hewitt agents, you need to know there are two types of agencies that differ in how they can insure your vehicles. Agents can either be independent (non-captive) or captive. While both can properly insure your vehicles, but it’s worth learning how they differ since it can impact your agent selection.
Independent Agents
These agents are not locked into one company but rather can write business amongst many companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When searching for an agent, you should always contact at a minimum one independent agency for the best price selection.
The following is a list of independent agencies in Hewitt willing to provide competitive price quotes.
Marilyn Davis Insurance – 435 Enterprise Blvd – Hewitt, TX 76643 – (254) 666-7745
John Fadal Insurance – 504 N Hewitt Dr # 6 – Hewitt, TX 76643 – (254) 666-3796
Captive Agents
Captive agencies write business for a single company like AAA, State Farm, Farmers Insurance and Allstate. Captives cannot provide prices from multiple companies so they are skilled at selling on more than just price. Captives are usually quite knowledgeable on their company’s products which helps them compete with independent agents.
Listed below are captive insurance agencies in Hewitt willing to provide comparison quotes.
Allstate Insurance – 227 N Hewitt Dr – Hewitt, TX 76643 – (254) 666-1011
State Farm Insurance – 518 N Hewitt Dr – Hewitt, TX 76643 – (254) 666-7788
For a full directory of captive insurance agencies in Hewitt, view this link.
Selecting an insurance agency needs to be determined by more than just the premium amount. Agents should be asked these questions:
- How are they compensated?
- Which insurance companies are they affiliated with?
- Can they provide you with a list of referrals?
- Do they carry Errors and Omissions coverage?
- Will your rates increase after a single accident?
- Are they able to influence company decisions when a claim is filed?
- How much will you save each year by using a higher deductible?
- If your car is in the repair shop, do you have coverage for a rental car?
Once you have answers to your satisfaction to any questions you have and a good coverage price, you may have just found an insurance agency that is a good match to service your policy.
Have you considered online alternatives?
Insurance agents are important to many people, but Texas consumers also have the option to buy direct online. Some companies who have local Hewitt agents also permit you to buy a policy online. This is something to consider.
If you’re uneasy about not receiving proper advice when buying direct, that should not be a issue. Insurance companies provide access to licensed agents for getting the best coverage.
Does car insurance cost less online? That is a tough question to answer because there are many factors that impact your final bill. Common sense would say that a consumer who buys direct cuts out the middleman. But in reality, advertising budgets are huge so the lack of a commission may be a wash.
Additional Texas car insurance resources
Additional car insurance information can be read on the website for the Texas Department of Insurance located here. Consumers can file complaints about an insurance agent or broker, report car insurance fraud, and read state legal mandates and laws.
In conclusion
The cheapest car insurance is available on the web in addition to many Hewitt insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not provide online quoting and these small insurance companies work with independent agents.
Drivers leave their current company for a variety of reasons including high rates after DUI convictions, delays in responding to claim requests, policy non-renewal and delays in paying claims. Regardless of your reason for switching companies, choosing a new insurance company is pretty simple and you could end up saving a buck or two.