Comparing auto insurance rates in Denver City can be a lot of work since there are a lot of options and finding the best Texas insurance agent is more difficult than just randomly choosing from the yellow pages. You require a good agent that listens to you, and also want to find the best possible price.
Multiple auto insurance agents compete for your insurance dollar, so it can be very hard to choose a insurance agency and get the best coverage at the best price available.
Online quotes help locate Denver City agents
Good agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of price shopping on the web is you can get the lowest rates and still choose a local agent.
By using this quick form, your insurance data is emailed to insurance agents in Denver City who will return price quotes for your insurance coverage. There is no need to leave your house since price quotes are sent to your email. It doesn’t get any easier!
Selecting an insurance agent should depend on more than just the premium amount. Any agent should be forthright in answering these questions:
- How much will you save each year by using a higher deductible?
- If your car is in the repair shop, do you have coverage for a rental car?
- Who are their largest clients?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do the coverages you’re quoting properly cover your vehicle?
- Can they give you a list of client referrals?
- What is the agency’s Better Business Bureau rating?
- What are the financial ratings for the companies they represent?
How to choose the best auto insurance agent in Denver City
When looking for an insurance agent, you need to know there are two different types of agents that you can select. Denver City agents are either captive or independent (non-captive). Both types can do a good job, but it’s good to learn the difference between them because it can impact buying decisions.
Captive Insurance Agents
These agents can only write with one company and examples are American Family, Liberty Mutual and AAA. They usually cannot shop your coverage around so they are skilled at selling on more than just price. Captives are well schooled on their company’s products which helps them sell insurance even at higher premiums. Consumers often buy insurance from these agents mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.
Below are Denver City captive agencies that are able to give comparison quotes.
- State Farm Insurance – 310 N Main Ave – Denver City, TX 79323 – (806) 592-3505
Independent Agents (or Brokers)
Independent agents are not employed by any specific company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency. When comparison shopping, it’s a good idea to get quotes from at a minimum one independent agency to get the best comparison. They also have the ability to place coverage with smaller companies which may provide better rates.
Below is a short list of independent agents in Denver City that are able to give comparison quotes.
- Stewart Insurance – 115 W 3rd St – Denver City, TX 79323 – (806) 592-2878
To view a complete directory of insurance agents in Denver City, please click here.
Once you have positive responses for all questions you ask and a low price estimate, chances are good that you have found an auto insurance agent that meets your needs to properly insure your vehicles.
Do online auto insurance companies have better rates?
Professional insurance agents are indespensible for some people, but you also have the option of buying directly from online companies. Some specific companies like Allstate and State Farm that are more known for using agents, also allow you to buy online, and that can save time if finding the best price is important.
If you’re worried about having to choose coverages yourself when buying online, this is a normal reaction for first-time shoppers. Online car insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options to help you decide which coverages are appropriate. In addition, they usually offer online education and live help anytime so buying online is not difficult.
Do customers save by switching to an online company? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there may be dozens of rate factors that impact your premium. Common sense would say that shopping online for auto insurance prevents the agent from taking a cut. For the majority of companies, however, online and traditional media advertising are expensive and those expenses can offset most of the savings by selling direct.
Do the work, save more money
The cheapest auto insurance is attainable both online as well as from independent agents in Denver City, and you need to comparison shop both to have the best rate selection. Some auto insurance companies don’t offer online price quotes and these small, regional companies work with independent agents.
People change insurance companies for any number of reasons including delays in paying claims, lack of trust in their agent, being labeled a high risk driver or even questionable increases in premium. No matter why you want to switch, finding a new auto insurance company is not as difficult as it may seem.
Additional consumer information websites
More tips and info about auto insurance is available at the Texas Department of Insurance website. Texas drivers can read enforcement actions against agents and companies, file complaints about an insurance agent or broker, find disaster information, and find out industry alerts.