Easy Guide to Searching Online for an Ennis Insurance Agent

When shopping for auto insurance, selecting the best Ennis car insurance agent for your needs is not as easy as just driving to the closest agent’s office. Consumers require a good professional insurance agent, but also need the best price on auto insurance.

Many insurance agencies compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance agents to get the lowest price

Buying auto insurance from a local Ennis agent

Insurance agents can help determine the best coverages and help you file claims. The best thing about getting online price quotes is the fact that you can find lower rates but also keep your business local.

After completing this quick form, your information is sent to local insurance agents in Ennis who will give you bids for your coverage. You never need to leave your house due to the fact that quote results will go immediately to your email address. It doesn’t get any easier!

Selecting an auto insurance agent requires more thought than just a low price. Here are some questions to ask:

  • Are claims handled at the agent’s location?
  • What insurance companies do they work with?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • How much can you save by raising your physical damage deductibles?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • How are claims handled?

Not all auto insurance agents are the same

When looking for a reputable insurance agent or broker, you need to know there are two types of agencies to choose from. Agencies in Ennis are either independent or captive. Both types can do a good job, but it’s worth mentioning the differences because it can influence buying decisions.

Captive Insurance Agents

Captive insurance agents work for only one company and examples are State Farm, Allstate and AAA. Captives cannot provide prices from multiple companies so they are skilled at selling on more than just price. Captive agents are well schooled in insurance sales which helps them compete with independent agents. Some people will only choose to use a captive agent primarily because of high brand loyalty and strong financial ratings.

Listed below are captive agencies in Ennis who may provide you with rate quotes.

  • Allstate Insurance – 305 W Baylor St – Ennis, TX 75119 – (972) 878-1198
  • State Farm Insurance – 716 W Ennis Ave – Ennis, TX 75119 – (972) 875-4791
  • Farmers Insurance Group – 1905d W Ennis Ave # 301 – Ennis, TX 75119 – (972) 935-3380
Independent Agents (or Brokers)

Independent agents are not employed by any specific company but instead can place your coverage with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent.

When comparison shopping, it’s a good idea to include price quotes from at a minimum one independent agency for the best price selection. They often place coverage with lesser-known insurance companies who may have lower rates.

Below are independent agents in Ennis that are able to give comparison quotes.

  • Accent Insurance – 1816 W Baldridge St – Ennis, TX 75119 – (972) 875-6512
  • Brian Prachyl Insurance – 1905 W Ennis Ave # 301 – Ennis, TX 75119 – (972) 875-4292

For a complete listing of auto insurance agents in Ennis, visit this link.

Once you have reasonable responses to your questions and a good coverage price, you may have just found an auto insurance agent that can properly service your auto insurance policy.

Consider all the options when buying car insurance

Auto insurance agents are a valuable resource, but you also have the option of buying Texas car insurance direct online. Some specific companies who have local agents in Ennis also let you buy a policy online, so keep that in mind and can also potentially find you lower rates.

If you’re uncomfortable with not having professional advice, don’t sweat it. Online car insurance companies give you access to trained agents for getting advice on proper coverages. Many online companies also provide live help and an extensive research center to make it easier to purchase.

The only way to determine if the cheapest policy comes from an agent or online is to take the time to compare rates from both. It’s even possible to receive different pricing from the SAME company from their agents and their website.

Can online rates save money? It’s difficult to provide an answer since there are many things that determine your policy premium. It’s often assumed that buying online saves by not paying a commission. For most companies selling online, however, getting their brand in front of customers is expensive and that can quickly cost more than paying an agent.

More detailed Texas auto insurance information is located at the Texas Department of Insurance website. Visitors are able to view agent and company licensing information, report car insurance fraud, and read industry bulletins.

Affordable insurance is out there

When shopping online for auto insurance, it’s a bad idea to reduce needed coverages to save money. There have been many situations where someone sacrificed uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. Your focus should be to find the BEST coverage at the best price while not skimping on critical coverages.

People change insurance companies for a variety of reasons including questionable increases in premium, high rates after DUI convictions, delays in responding to claim requests or an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching auto insurance companies is actually quite simple.