If you’re trying to find a licensed insurance agent in Yoakum, it’s recommended you do an initial search by comparing prices online rather than looking in the yellowpages. You require a competent insurance agent, and also want to find the best possible price.
Multiple insurance agents compete for your hard-earned dollar, and it can be difficult to compare rates to get the best rate
Your local neighborhood insurance agent
Good agents can help determine the best coverages and help file insurance claims. One of the best bonuses of comparing rates online is the fact that you can find the best rates but still work with a licensed agent.
By using this short form, your insurance coverage information is immediately sent to local insurance agents in Yoakum who will battle for your coverage. You won’t need to even leave your home because quoted prices will be sent to the email address you provide. Now that’s easy! You’ll get the best rates and a licensed agent to work with.
Choosing an auto insurance agent requires more thought than just the premium amount. These questions are important to ask:
- Does the agency provide any after hours assistance?
- Do they receive special compensation for putting your coverage with one company over another?
- Will their companies depreciate repairs to your car based on the mileage?
- What will you get paid if your car is a total loss? How is that amount determined?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Are you getting all the discounts the company offers?
Is a captive or independent insurance agent right for you?
If you’re trying to find a good insurance agency, there are two types of agencies that differ in how they can insure your vehicles. Agencies in Yoakum can either be independent (non-captive) or captive.
Captive Insurance Agents
Captive agencies write business for a single company such as State Farm, AAA and Liberty Mutual. These agents are unable to shop your coverage around so they have no alternatives for high prices. Captives are trained well in insurance sales and that can be a competitive advantage. Some consumers prefer to buy from captive agents partially due to high brand loyalty and strong financial ratings.
Listed below are Yoakum captive insurance agents willing to provide price quote information.
- Farmers Insurance Group – 202 Hopkins St – Yoakum, TX 77995 – (361) 293-3323
- State Farm Insurance – 620 Irvine St – Yoakum, TX 77995 – (361) 293-2221
Independent Agents (or Brokers)
Independent insurance agents are not required to write business for one company so they have the ability to put coverage with any number of different companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally without you having to go to a different agency.
When shopping rates, you should always get quotes from multiple independent agents to have the most options to choose from.Many can place coverage with different regional companies which can be an advantage.
Listed below are independent agents in Yoakum that are able to give comparison quotes.
- Carters Insurance – 408 Lott St – Yoakum, TX 77995 – (361) 293-5242
To view a full list of auto insurance agents in Yoakum, visit this link.
Upon receiving positive responses to these questions and a low price estimate, chances are good that you have found an insurance agent that meets your needs to properly service your auto insurance policy.
What about online companies that don’t use agents?
Licensed agents can be invaluable at times, but Texas consumers also have the option to buy direct from companies that only sell online. Some companies that are more known for using agents, also give you the option to buy direct online, and consumers should do that if you’re trying to lower your rates.
If you’re anxious about not having professional advice, this is normal but is quickly overcome. Auto insurance companies provide access to licensed agents for customer questions.
Are online rates lower? Many people swear by it, but it’s difficult to answer since companies use quite a few components that determine the price you pay. Many people think that buying car insurance online cuts out the middleman. But in most cases, there are very high advertising costs and that can quickly cost more than paying an agent.
In conclusion
Affordable auto insurance is possible online and also from your neighborhood Yoakum agents, so you should be comparing quotes from both to have the best rate selection. Some companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.
Insureds switch companies for many reasons like policy non-renewal, not issuing a premium refund, delays in paying claims and even lack of trust in their agent. Whatever your reason, choosing a new company is easier than you think.
More tips and info about auto insurance can be read at the Texas Department of Insurance website. Visitors are able to get help finding coverage, discover disciplinary actions, view agent and company licensing information, and find out which companies have the most complaints.
Other informative sites include QuoteClickInsure.com and this list of agents in Yoakum, TX.