When finding a good insurance agent in Seminole, Texas, you can always do an initial search by comparing prices online to save yourself time. The chances are good you not only want a highly trained agent, but you also want to find affordable coverage.
With insurance companies like American Family, Allstate, State Farm and independent agents all competing for business in Seminole, it’s hard to tell which one will provide you with the lowest rates and best service. To help decide, it’s easy to use insurance quotes online in order to build a list of insurance agents and price estimates.
Local Seminole auto insurance agents
Agents are trained to spot inefficiencies and help you file claims. The biggest benefit of getting online price quotes is that you can obtain lower rates and still choose a local agent. And supporting local insurance agencies is important particularly in Seminole.
After filling out this quick form, your insurance data is sent to insurance agents in Seminole who will battle for your business. There is no reason to leave your computer due to the fact that quote results will go straight to your inbox. How cool is that?! You’ll get the best rates and work with a local agent.
Compare rates from both independent and captive auto insurance agents
When finding a reputable insurance agent or broker, you must know there are a couple different types of agents from which to choose. Agencies in Seminole can either be captive or independent (non-captive).
Independent Agents
Independent insurance agents are not required to write business for one company so they can insure your vehicles with lots of companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and that require little work on your part.
When searching for an agent, we recommend you include price quotes from multiple independent agents for maximum quote selection.
The following are independent insurance agents in Seminole who can help you get price quotes.
Baucum Insurance – 125 E Avenue A – Seminole, TX 79360 – (432) 758-5853
Moore-Haralson Agency – 206 S Main St – Seminole, TX 79360 – (432) 758-5886
Whittenburg Crop Insurance – 425 County Road 331 – Seminole, TX 79360 – (432) 758-5865
Captive Agents
Captive insurance agents work for only one company like Liberty Mutual, State Farm, Allstate and AAA. These agents are unable to compare other company’s rates so they have to upsell other benefits. Captive agencies receive extensive training in insurance sales which can be an advantage.
Listed below is a list of captive agents in Seminole that can give you price quote information.
Gaines Country Farm Bureau – 611 S Main St – Seminole, TX 79360 – (432) 758-3693
Farmers Insurance Group – 100 SW 7th St – Seminole, TX 79360 – (432) 758-9822
For a full directory of auto insurance agents in Seminole, view this link.
Choosing a car insurance agent needs to be determined by more than just the bottom line cost. Some important questions to ask are:
- Is the agency involved in supporting local community causes?
- Do they receive special compensation for putting your coverage with one company over another?
- Which insurance companies are they affiliated with?
- How long has their agency been open in Seminole?
- If your car is in the repair shop, do you have coverage for a rental car?
- Do they have any clout with companies to ensure a fair claim settlement?
- Can they give you a list of client referrals?
Upon receiving acceptable answers to your questions and an acceptable price quote, chances are good that you have found a car insurance agent that is a good match to adequately provide auto insurance.
Aren’t online-only companies cheaper?
Local insurance agents are important to many people, but you also have the option of buying Texas car insurance direct over the internet. Some specific companies who sell through agents in Seminole also give you the ability to buy direct online, and that can save time if the lowest rate is your goal.
If you’re worried about not getting advice from an agent, don’t be too concerned. Car insurance companies provide phone numbers and online resources to answer any questions you may have. They also make available extensive coverage information and 24/7 assistance to help you make a buying decision.
Is car insurance cheaper online? The answer to that question is complicated since there are so many components that influence the price you pay. Common sense would say that buying car insurance online saves the cost of an agent commission. But that assumption is generally incorrect because marketing their products costs a lot of money so this can offset any savings.
When trying to find the best rates, the only way to determine whether online companies or local agents have lower rates is getting rates for as many of both types of providers as possible. It’s fairly common that you receive different coverage costs from online quotes as they do from local agents for the exact same company.
Additional information is available on the website for the Texas Department of Insurance found here. Consumers can view a list of available companies, read enforcement actions against agents and companies, find out which companies have the most complaints, and read industry bulletins.
Buy online or local, you save
Consumers leave their current company for many reasons like denial of a claim, unfair underwriting practices, high rates after DUI convictions or even being labeled a high risk driver. It doesn’t matter why you want to switch finding a new company is actually quite simple.
When shopping online for auto insurance, never skimp on coverage in order to save money. There are too many instances where someone sacrificed collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy enough coverage at an affordable rate.