Finding a Great Insurance Agent in Willis

Selecting a auto insurance company in Willis, Texas can be time consuming since you have many choices and finding the best Texas auto insurance agent takes more work than just picking up the phone. Chances are good that not only do you want a good agent that listens to you, but also the best rates possible.

With State Farm, Allstate and Farmers Insurance having local Willis offices, it’s difficult to determine which will provide the best rates, service and coverage. Fortunately, consumers can use online price quotes to get a list of insurance agencies to choose from.

Price shop online but buy from a local Willis agent

Educated insurance agents can help determine the best coverages and help file insurance claims. One of the best bonuses of comparing insurance prices online is you may find the best rates and still choose a local agent. Supporting local businesses is important particularly in Willis.

Upon completion of this form (opens in new window), the coverage information is immediately sent to local insurance agents who will battle to get your business. You never need to leave your computer as quotes are delivered directly to your email. It doesn’t get any easier! You can find the lowest rates and work with a local agent.

Types of insurance agents

When searching for an insurance agent, there are two types of insurance agents to choose from. Agents can either be independent (non-captive) or captive.

Independent Agents

Independent insurance agents do not work for one specific company but instead can place your coverage with lots of companies depending on which coverage is best. If you are not satisfied with one company, the business is moved internally without you having to go to a different agency. When comparing rates, it’s recommended you get quotes from multiple independent agents for the best price selection.

Below are Willis independent insurance agencies who may be able to give you pricing information.

Straily Insurance – – Willis, TX 77378 – (936) 856-5859
Nationwide Insurance – 10535 Fm 1097 Rd W – Willis, TX 77318 – (936) 890-8811

Captive Insurance Agents

Captive agents have only one company to place business with and examples are AAA, Allstate and State Farm. They usually cannot place coverage with different providers so it’s a take it or leave it situation. They are well schooled on their company’s products which helps them compete with independent agents.

The following is a short list of captive insurance agencies in Willis who can help you get rate quotes.

Allstate Insurance Co – 309 W Montgomery St – Willis, TX 77378 – (936) 856-8046

For a complete listing of captive agents in Willis, please click here.

Picking an insurance agent should depend on more than just the premium amount. Ask your prospective agent these questions:

  • Does the agent have professional designations like CIC, CPCU or AIC?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Do they feel the quoted coverages are adequate?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Do they specialize in personal lines coverage?
  • What are the financial ratings for the companies they represent?
  • What is the agency’s Better Business Bureau rating?

Upon getting acceptable answers and a good coverage price, it’s possible that you found an insurance agency that is a good match to insure your vehicles.

Online car insurance companies

Professional insurance agents are indespensible for some people, but you also have the option of buying direct over the internet. A few companies who have local agents in Willis also allow consumers to quote and buy online. This is something to consider.

If you’re anxious about whether or not you’ll have guidance, don’t let it bother you. All companies provide access to licensed agents that you can contact for information. They also have extensive coverage information and 24/7 assistance that you can use before buying.

Can you save money buying online? The answer is complex because there are many factors that impact your rate calculation. Some people will tell you that purchasing direct online saves the cost of an agent commission. But truthfully, marketing their products costs a lot of money so the lack of a commission may be a wash.

The only way to determine if the cheapest policy comes from an agent or online is making fair comparisons of each of their rates. You may actually get a different price from online quotes as they do from local agents from the same insurance company. But you won’t know where the best price is without quoting coverages from both ways.

Texas car insurance agent

What is YOUR best insurance company?

People switch companies for any number of reasons including high prices, being labeled a high risk driver, unfair underwriting practices and even poor customer service. Regardless of your reason for switching companies, finding a new company is pretty simple and you could end up saving a buck or two.

When you buy insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where an insured cut liability limits or collision coverage and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

For more reading

Additional information is located on the website for the Texas Department of Insurance found here. Texas drivers can download brochures, read enforcement actions against agents and companies, read consumer alerts, and view a list of available companies.

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