When buying auto insurance in Lakeway, selecting the best Lakeway car insurance agent for your needs takes more work than just calling the closest agent. Consumers need a good professional insurance agent, and also the cheapest rates you can possibly find.
Because there are so many online and local companies to choose from, it can be challenging to locate the right company.
Your insurance agent down the street
Licensed agents can answer important questions and help you file claims. The biggest benefit of comparing insurance prices online is you may find the lowest rates but also keep your business local.
For easy comparison, once you complete this quick form, the coverage information is immediately sent to participating agents in Lakeway who will compete for your business. There is no need to even leave your home due to the fact that quote results will go directly to your email. Now that’s easy! You can find better rates and work with a local agent.
Deciding on an auto insurance agent should depend on more than just the bottom line cost. Any agent should have no problem answering these questions:
- Who is covered by the car insurance policy?
- Are they full-time agents?
- What is the agency’s Better Business Bureau rating?
- Does the agency support the community they serve?
- Do the coverages you’re quoting properly cover your vehicle?
- Is the agent and/or agency licensed to do business in Texas?
- How are claims handled?
Captive agents vs. Independent agents
When searching for a local agent, you need to know there are two types of agencies from which to choose. Agents are either captive or independent (non-captive).
Agency Captives
This type of agents can only write with one company like Farmers Insurance, American Family, State Farm and Allstate. They are unable to place coverage with different providers so always compare other rates. Captive agents receive extensive training on their company’s products which helps them sell insurance even at higher premiums. Some consumers prefer to buy insurance from these agents mostly because of high brand loyalty and solid financial strength.
The following is a short list of captive agents in Lakeway willing to provide price quotes.
- Allstate Insurane Co – 211 Ranch Road 620 S – Lakeway, TX 78734 – (512) 266-2554
- State Farm Insurance – 103 Ranch Road 620 S – Lakeway, TX 78734 – (512) 266-8572
- Farmers Insurance Group – 1021 Ranch Road 620 S – Lakeway, TX 78734 – (512) 263-0601
Independent Agencies or Brokers
These agents are not locked into one company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency.
When shopping rates, it’s recommended you include price quotes from at a minimum one independent agency to get the best comparison. Most have the option of insuring with different regional companies which can be an advantage.
Listed below is a short list of independent insurance agents in Lakeway that can give you rate quotes.
- Ann Hurt Insurance – 1205 Ranch Road 620 S – Lakeway, TX 78734 – (512) 263-5685
- Merrill Agency Inc – 1200 Lakeway Dr – Lakeway, TX 78734 – (512) 261-9400
- Harold Coleman Agency – 1021 Ranch Road 620 S – Lakeway, TX 78734 – (512) 306-8814
- Germania Timmons Insurance – 311 Ranch Road 620 S # 212 – Lakeway, TX 78734 – (512) 402-0595
For a complete listing of Lakeway insurance agents, please click here.
Upon receiving acceptable answers for all questions you ask and locked in a price quote, you’ve probably found a car insurance agent that will insure your vehicles.
Buying direct is an option
Auto insurance agents are important, but Texas consumers also have the option to buy from online companies direct. A few companies, such as State Farm, Allstate and Farmers, that sell primarily through agents also permit you to buy direct on their websites, and consumers should do that.
If you’re uncomfortable with not receiving proper advice when buying online, that should not be a issue. Companies have toll-free phone numbers and other options to answer your questions.
Will buying online save you money? Whether or not you’ll save is impossible to say because there are a lot of things that impact your premium. Common logic is that shopping online for auto insurance saves money by not requiring a commission. For most companies selling online, however, there are high advertising and marketing costs and that impacts the rates consumers pay.
Summing up your auto insurance search
Drivers who switch companies do it for many reasons like high rates after DUI convictions, policy non-renewal, delays in paying claims or even not issuing a premium refund. Regardless of your reason, finding a new auto insurance company is not as difficult as it may seem.
Cheaper auto insurance is available both online and with local Lakeway insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not offer online quoting and these regional insurance providers work with independent agents.
Informative consumer insurance sites
Even more information can be found at the Texas Department of Insurance website. Consumers can read consumer alerts, discover disciplinary actions, and read enforcement actions against agents and companies.