Comparing car insurance companies in Brownfield, Texas can be challenging because you have many choices and picking a good Texas car insurance agent is harder than just calling the closest agent. It’s assumed you’re not only searching for a professional licensed agent, but also the best rates possible.
With Allstate, Farmers, State Farm and many independent agents having offices in Brownfield, it’s difficult to determine which one will provide you with the lowest rates and best service. Fortunately, consumers can get insurance quotes online in order to build a list of agencies and price estimates.
Local Brownfield car insurance agents
Educated insurance agents can answer important questions and help submit paperwork. The biggest benefit of comparing insurance prices online is the fact that you can find the lowest rates but still work with a licensed agent. Buying from small agencies is especially important in Brownfield.
Upon completion of this short form, your insurance coverage information is sent to participating agents in Brownfield who will return price quotes for your business. There is no need to leave your house because quoted prices will be sent to the email address you provide. Now that’s easy!
Not all car insurance agents are the same
When looking for a reputable insurance agent or broker, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Brownfield agents are either captive or independent. Either one can insure your vehicles, but it’s worth learning how they differ since it can impact your agent selection.
Independent Agents (or Brokers)
Independent insurance agents are not required to write business for one company so they have the ability to put coverage with many different companies depending on which coverage is best. If you are not satisfied with one company, the business is moved internally and you won’t have to switch agencies.
When shopping rates, it’s a good idea to get quotes from at a minimum one independent agency to have the most options to choose from. They often place coverage with lesser-known insurance companies which can be an advantage.
The following is a list of independent agencies in Brownfield willing to provide pricing information.
- Jones and Lowe Agency Inc – 421 W Main St – Brownfield, TX 79316 – (806) 637-4508
- Terrel Bowlin Insurance – 412 Lubbock Rd – Brownfield, TX 79316 – (806) 637-8566
- Susie Bray Insurance – 214 E Tahoka Rd – Brownfield, TX 79316 – (806) 637-9200
Agency Captives
This type of agents can only place business with one company and examples are Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to place coverage with different providers so they have to upsell other benefits. Captive agents are very knowledgeable on their products and sales techniques which can be an advantage. Some consumers prefer to buy insurance from these agents mostly because of high brand loyalty and strong financial ratings.
Selecting a car insurance agent needs to be determined by more than just a low price. Any agent should have no problem answering these questions:
- If they are an independent agency, which companies do they recommend?
- How long have they worked with personal auto insurance coverage?
- Which company do they place the most coverage with?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Once you have satisfactory answers to these questions and locked in a price quote, it’s possible that you found an insurance agent that is a good match to properly insure your vehicles.
But what about Progressive, GEICO and other online companies?
Local insurance agents are perfect for certain consumers, but you also have the option of buying from companies direct over the internet. Certain auto insurance companies like Allstate and State Farm who sell through the agent channel also allow you to buy a policy online, and that is helpful if you prefer not to work with an agent.
If you’re apprehensive about whether or not you’ll have guidance when buying car insurance direct, this is a normal reaction for first-time shoppers. Insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options for answering any questions you have. Most companies also provide 24/7 live help and a car insurance FAQ section to make it easier to purchase.
Can you save money buying online? Many people swear by it, but it’s difficult to answer due to the fact that there are multiple individual factors which can raise or lower premium rates. Many people think that buying online cuts out the middleman. For most online online companies, however, online and traditional media advertising are expensive so this can offset any savings.
For more Texas car insurance information
More information is available on the Texas Department of Insurance website found here. Visitors are able to read industry bulletins, view agent and company licensing information, find disaster information, and read consumer alerts.
Additional helpful sites include Auto Insurance 101 and this page where you can research Brownfield insurance agents.
Buy online or local, you save
As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to find the BEST coverage at a price you can afford, not the least amount of coverage.
Cost effective car insurance can be found on the web in addition to many Brownfield insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.