If you’re looking for a licensed insurance agent in Center, we recommend you begin your search online rather than picking up the phone. There is a good chance you require not only a professional licensed agent, but you also want to find the lowest possible price.
With companies like Allstate, Farmers and State Farm as well as independent agents having local Center offices, it’s difficult to determine which one will provide you with the best rates, service and coverage. Thankfully, consumers can get insurance quotes online in order to build a list of insurance agencies and price estimates.
Best way to find Center agents
Educated insurance agents can answer important questions and help you file claims. One of the best bonuses of getting online price quotes is the fact that you can find the lowest rates but also keep your business local. Supporting local agencies is important especially in Center.
Upon completion of this form (opens in new window), the coverage information is emailed to companies in Center who will compete for your insurance coverage. There is no need to drive around as quotes are delivered to your email. How’s that for easy! You can find the lowest rates and work with a local agent.
What types of insurance agencies are in Center?
If you’re trying to find a reputable insurance agent or broker, there are two different types of agents from which to choose. Center agents are categorized either captive or independent.
Independent Agents (or Brokers)
Independent insurance agents are not employed by any specific company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency.
When comparison shopping, we recommend you contact several independent insurance agents for maximum quote selection. Most have the option of insuring with different regional companies which can save you money.
Listed below is a list of independent insurance agencies in Center that are able to give pricing information.
- Melba Crouch Insurance – 906 Hurst St – Center, TX 75935 – (936) 598-9048
- Anderson Insurance – 520 San Augustine St – Center, TX 75935 – (936) 598-2027
Captive Insurance Agents
Captive agencies have only one company to place business with such as Liberty Mutual, State Farm, Allstate and AAA. Captives cannot provide prices from multiple companies so it’s a take it or leave it situation. They are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Some people will only buy from captive agents mainly due to high brand loyalty and the convenience of having all coverages with one company.
Below are captive agencies in Center that can give you rate quotes.
- State Farm Insurance – 621 Tenaha St – Center, TX 75935 – (936) 598-2640
For a complete listing of captive agents in Center, visit this site.
Choosing a car insurance agent shouldn’t rely on just a cheap price. Any agent should be forthright in answering these questions:
- Are they properly licensed to sell insurance in Texas?
- How long has their agency been open in Center?
- Will your rates increase after a single accident?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Who are their largest clients?
- Who is covered by the car insurance policy?
- Are claim adjusters local or do you have to take your car somewhere else?
Once you have received acceptable answers to your questions as well as a affordable price, you may have just found an auto insurance agent that meets your needs to provide car insurance coverage.
You have the option to buy direct online
Licensed agents serve a purpose, but you also have the option of buying from companies direct over the internet. Some car insurance companies, such as Farmers Insurance and State Farm, who have local agents in Center additionally provide the ability to buy direct on their websites. This is something to consider as an alternative to contacting agents.
If you’re concerned about not having someone to ask questions, this really isn’t an issue. Online car insurance companies all have client service departments for getting questions answered.
If the lowest price is important, the best way to know if local insurance agents or online providers are cheaper is to make apples-to-apples comparisons of both. You can actually get different rates comparing agents to online prices from the SAME company.
Do people save by buying online? It’s difficult to say for sure since there are many things that impact your final bill. Common logic is that a consumer who buys direct prevents the agent from taking a cut. In reality, advertising budgets are huge so there may not be significant savings.
Cheaper insurance is a realistic goal
While you’re price shopping online, you should never skimp on coverage in order to save money. There are too many instances where consumers will sacrifice liability limits or collision coverage only to discover later that it was a big mistake. Your goal should be to get the best coverage possible at the best price while still protecting your assets.
Consumers change insurance companies for a variety of reasons including an unsatisfactory settlement offer, denial of a claim, not issuing a premium refund or even high prices. It doesn’t matter what your reason, switching car insurance companies is pretty simple and you could end up saving a buck or two.
Additional reading for car insurance information
Additional information is located on the Texas Department of Insurance website. Click here for link. Texas drivers can view a list of available companies, learn about specific coverages, and read state legal mandates and laws.
The articles below may also help you learn more about car insurance in Center