Finding good car insurance in Eastland can be challenging since you have many choices and choosing the right Eastland insurance agent is not as easy as just calling the closest agent. Consumers require a friendly agent, but also competitive car insurance rates.
There are many insurance agencies to purchase coverage from, and although it’s a good thing to have multiple companies, it makes it harder to find a good deal.
Car Insurance through a local Eastland agent
Insurance agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of getting online price quotes is that you can obtain better rates and still choose a local agent.
By using this form (opens in new window), your insurance coverage information is immediately sent to companies in Eastland who will compete for your business. There is no need to leave your computer since price quotes are sent immediately to your email address. It doesn’t get any easier!
Deciding on an insurance agency needs to be determined by more than just a cheap price. These questions are important to ask:
- Are there any discounts that you might be missing?
- How are claims handled?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they regularly work with personal auto policies?
- Can glass repairs be made at your home?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How much will you save each year by using a higher deductible?
- Does the agency support the community they serve?
Insurance agent types
When researching a good insurance agency, there are a couple of different agency structures that differ in how they can insure your vehicles. Agents are classified as either captive or independent. While both can write coverage properly, but it’s worth learning the differences since it can impact the selection process.
Captive Agents
This type of agents are contracted to one company and some examples include State Farm, AAA and Liberty Mutual. These agents are unable to give you multiple price quotes so they have no alternatives for high prices. Captives are very knowledgeable on their company’s products and that can be a competitive advantage. Consumers sometimes buy insurance from these agents mostly because of loyalty to the company and solid financial strength.
Below is a list of captive agencies in Eastland that are able to give comparison quotes.
- Farm Bureau Insurance – 1311 E Main St – Eastland, TX 76448 – (254) 629-1704
Independent Insurance Agents
Independent agents do not work for one specific company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you don’t have to find a new agent. When comparing rates, you should always get quotes from multiple independent agents to have the most options to choose from. Most have the option of insuring with lesser-known insurance companies who may have lower rates.
Shown below is a short list of independent insurance agencies in Eastland that are able to give comparison quotes.
- Aaron Insurance – 310 S Seaman St – Eastland, TX 76448 – (254) 629-8533
- Farm Bureau Insurance – 1311 E Main St – Eastland, TX 76448 – (254) 629-1704
To view a full list of Eastland insurance agents, visit this link.
Once you have received satisfactory answers to these questions and a low price estimate, chances are good that you have found an auto insurance agent that will properly insure your vehicles.
Online alternative for car insurance
Car insurance agents are indespensible for some people, but you also have the option of buying directly from online companies. Certain companies, such as Farmers Insurance and State Farm, who sell through the agent channel also permit you to buy a policy online, and that can save time.
If you’re uneasy about not having an agent to talk to when shopping online, don’t sweat it. Online car insurance companies all have toll-free customer service to walk you through the process. Many online companies also provide live help and an extensive research center that can help answer basic questions.
The best way to determine if local insurance agents or online providers are cheaper is comparing rate quotes from both. Even though it sounds odd, people frequently get different pricing for the same auto insurance company when comparing online quotes to a quote from an agent.
Does coverage cost less online? The answer is complex because there are a lot of things that influence your rates. It’s a logical assumption that a shopper who purchases direct prevents the agent from taking a cut. But the fact is, promoting brand recognition is pricey so the rates may be similar to buying from an agent.
A little work can save a LOT of money
As you shop your coverage around, do not buy less coverage just to save a little money. Too many times, someone dropped collision coverage only to find out that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at the best price.
Insureds who switch companies do it for a variety of reasons including policy non-renewal, an unsatisfactory settlement offer, being labeled a high risk driver or delays in paying claims. It doesn’t matter why you want to switch finding a new company is easier than you think.
Informative consumer insurance sites
Even more information is available at the Texas Department of Insurance website. Visitors are able to discover disciplinary actions, get help finding coverage, read state legal mandates and laws, and view a list of available companies.
Other informative sites include NAIC.org’s Understanding your Policy and this page on QuoteClickInsure.com.