When buying auto insurance in Gatesville, there are a lot of options and finding the best Texas insurance agent is not as easy as just making a phone call. You need a good agent that listens to you, and also want to find the lowest rates in Gatesville.
Companies like Progressive, GEICO and Farmers Insurance persitently shower you with catchy ads and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.
Buying auto insurance from a local Gatesville agent
Licensed agents can point out coverage gaps and give you someone to call. The biggest benefit of getting online price quotes is the fact that you can find lower rates but still work with a licensed agent.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is transmitted to local insurance agents who will compete to get your business. You won’t need to visit any agencies due to the fact that quote results will go directly to your email. Now that’s easy! You can find better rates AND a local agent.
Selecting an insurance agent should depend on more than just the premium amount. Some important questions to ask are:
- How long has their agency been open in Gatesville?
- How often do they review policy coverages?
- Is their price quote a firm figure or are their hidden costs?
- Do they regularly work with personal auto policies?
- Is working in the agency their full-time job?
- Are claim adjusters local or do you have to take your car somewhere else?
If you wish to view licensed agents in Gatesville, go to this page.
After receiving acceptable answers in addition to an acceptable price estimate, chances are good that you have found a car insurance agent that meets your needs to properly insure your vehicles.
Consider all buying options to save money
Insurance agents serve a purpose, but you also have the option of buying direct from companies that only sell online. Some companies, such as State Farm, Allstate and Farmers, who have local agents in Gatesville also permit you to buy online, and that is helpful to possibly find a better rate.
If you’re uncomfortable with not getting proper coverage when buying car insurance direct, this is expected but don’t let that bother you. Online companies provide customer service for getting advice on proper coverages. You may also access live help and an extensive research center so buying online is not difficult.
Do online companies have better rates? It’s difficult to provide an answer since there are so many factors that impact your rate calculation. Many people think that shopping direct saves the cost of an agent commission. But the reality is there are high advertising and marketing costs so this can offset any savings.
Online plus local equals savings
When you buy insurance online, don’t be tempted to buy less coverage just to save a little money. In too many instances, an insured dropped comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.
Cheaper auto insurance can be bought both online and with local Gatesville insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.
Additional consumer information websites
Even more information can be read at the Texas Department of Insurance website. Consumers can learn about specific coverages, learn about insurance regulations, and read consumer alerts.