To find a good Breckenridge agent, we recommend you begin your search by comparing prices online rather than picking up the phone. Chances are you not only want a decent agent, but you also want to find great rates as well.
With insurance companies like State Farm, Allstate and Farmers Insurance having local Breckenridge offices, consumers have a hard time knowing which auto insurance agent will give you the best service and rates. To begin, consumers can get online quotes in order to build a list of insurance agencies from which to choose.
How to buy car insurance from an agent in Breckenridge
Good agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of getting online price quotes is the fact that you can find lower rates and still choose a local agent. And supporting local businesses is important especially in Breckenridge.
After filling out this quick form, your coverage information is submitted to insurance agents in Breckenridge who will return price quotes for your insurance coverage. There is no reason to visit any agencies since price quotes are sent to the email address you provide. How cool is that?! You can find the lowest rates and an insurance agent to talk to.
The different types of insurance agents
When finding a good insurance agency, there are two different types of agents that you can select. Agents are either independent (non-captive) or captive.
Independent Agents
Independent agents are not employed by any specific company but instead can place your coverage with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, your agent can switch companies without you having to go to a different agency. When searching for an agent, we recommend you contact multiple independent agents for maximum quote selection.
Below is a list of independent agents in Breckenridge that can give you price quote information.
Innovative Insurance Solutions – 10118 County Road 198 – Breckenridge, TX 76424 – (254) 559-7181
R G Camp and Co Insurance – 518 N Breckenridge Ave – Breckenridge, TX 76424 – (254) 559-3646
Captive Agents
This type of agents are contracted to one company like Allstate, Farmers Insurance or State Farm. Captives cannot compare other company’s rates so they have no alternatives for high prices. Captives are usually quite knowledgeable on the products they sell which helps them compete with independent agents.
Shown below are Breckenridge captive insurance agents that are able to give rate quotes.
Farmers Insurance Group Of Co – 1612 W Walker St – Breckenridge, TX 76424 – (254) 559-5104
Farm Bureau Insurance – 1510 E Highway 180 – Breckenridge, TX 76424 – (254) 559-8296
For a complete listing of captive insurance agents in Breckenridge, visit this link.
Picking an insurance agency should depend on more than just the premium amount. Agents should be asked these questions:
- Do they carry Errors and Omissions coverage?
- Do they have any clout with companies to ensure a fair claim settlement?
- Which members of your family are coverage by the policy?
- Are claims handled at the agent’s location?
- What are the financial ratings for the companies they represent?
Once you have received good answers to your questions and a low price estimate, you have narrowed it down to an insurance agent that can service your policy.
Isn’t it cheaper to buy direct online?
Licensed agents are indespensible for some people, but Texas drivers can also buy direct from companies online. Some companies who have local agents in Breckenridge additionally provide the ability to buy direct on their websites, and consumers should do that if finding the best price is important.
If you’re concerned about not getting advice from an agent when buying direct, don’t sweat it. Online insurance companies provide customer service that you can contact for information.
Is it cheaper to buy car insurance online? It’s hard to say exactly because of the number of factors that impact your final bill. You may think that buying direct saves money because there is no agent involvement. For most companies selling online, however, advertising budgets are huge so rates may not be all that different from traditional agents.
If you have the time, the only way to find out if prices are better online or from an agent is getting rates for as many of both types of providers as possible. Even though it sounds odd, people frequently get different pricing from online quotes as they do from local agents from exactly the same company.
Buy online or local, you save
When you buy insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced collision coverage and found out when filing a claim they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at a price you can afford.
People leave their current company for a number of reasons such as questionable increases in premium, poor customer service, an unsatisfactory settlement offer and even high prices. Regardless of your reason for switching companies, finding the right car insurance provider can be easy and end up saving you some money.
Find out more about car insurance
Additional car insurance information can be read on the website for the Texas Department of Insurance located here. Texas drivers can read industry bulletins, get help finding coverage, and report car insurance fraud.
Other informative sites include Wikipedia and this page on QuoteClickInsure.com.