When buying car insurance in Silsbee, choosing the right Silsbee insurance agent is more difficult than just using the same car insurance agent as your neighbor. There is a good chance you’re wanting a friendly agent, but you also need the lowest possible price.
With companies like independent agents, Allstate and State Farm all competing for your business, it’s difficult to determine which auto insurance agent will provide the best service and rates. To help decide, consumers can get online price quotes in order to build a list of agents from which to choose.
Online quotes help locate Silsbee agents
Good agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of comparing insurance prices online is you may find lower rates and still choose a local agent. Supporting small agencies is important especially in Silsbee.
By using this simple form, your insurance data gets sent to companies in Silsbee who will battle for your coverage. There is no need to visit any agencies due to the fact that quote results will go to the email address you provide. Now that’s easy!
Captive agents vs. Independent agents
When finding a good insurance agency, there are a couple of different types of agents to choose from. Insurance agencies in Silsbee are categorized either captive or independent. Both insure your vehicles, but it’s worth mentioning the difference between them since it may influence the type of agent you choose
Independent Insurance Agents
These agents do not work for one specific company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency. When comparing rates, it’s a good idea to include several independent insurance agents to have the most options to choose from.
Below is a short list of independent insurance agents in Silsbee that are able to give price quotes.
Cody Richmond Insurance Agency – 350 N 4th St – Silsbee, TX 77656 – (409) 386-0021
Cody Richmond Insurance – 1051 Highway 327 E – Silsbee, TX 77656 – (409) 385-6390
Cody Richmond Insurance Agency – 350 N 4th St – Silsbee, TX 77656 – (409) 386-0021
Captive Insurance Agents
This type of agents are contracted to one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. Captives cannot provide prices from multiple companies so always compare other rates. These agents are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums.
The following are Silsbee captive agencies who can help you get price quotes.
Farmers Insurance Group – 108 Brookwood Dr – Silsbee, TX 77656 – (409) 386-6847
Allstate Insurance – 110 Highway 96 S # C – Silsbee, TX 77656 – (409) 385-0868
Farm Bureau Insurance – 2000 Fm 92 – Silsbee, TX 77656 – (409) 755-0242
State Farm Insurance – 110 Highway 96 S – Silsbee, TX 77656 – (409) 385-3747
To view a full list of captive insurance agents in Silsbee, please click here.
Picking an insurance agency needs to be determined by more than just a cheap price. Any agent should be forthright in answering these questions:
- Did they already check your driving record and credit reports?
- How long have they worked with personal auto insurance coverage?
- Do they receive special compensation for putting your coverage with one company over another?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- What is the agency’s Better Business Bureau rating?
- How much will you save each year by using a higher deductible?
- Are you getting all the discounts the company offers?
After getting positive responses to your questions as well as a affordable price, you’ve probably found an auto insurance agent that is a good match to service your policy.
Can you save by buying online?
Auto insurance agents can be invaluable at times, but you can also find affordable Texas auto insurance directly from online companies. Some companies who have local agents in Silsbee additionally provide the ability to get a quote and buy online, so that should be considered to possibly find a better rate.
If you’re uncomfortable with selecting your own policy coverages, that should not be a issue. Car insurance companies have toll-free phone numbers and other options you can use to get advice on coverages. Many online companies also provide 24/7 live help and a car insurance FAQ section so buying online is not difficult.
Are car insurance rates lower online? It’s difficult to provide an answer due to the large number of individual components which can adversely affect your policy premium. Some people will tell you that a customer who purchases direcly from an online company saves by not paying a commission. But the fact is, advertising and marketing take a lot of money and this tends to eat up any savings.
And the best car insurance company is…
When you buy insurance online, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where someone dropped full coverage and found out when filing a claim they didn’t purchase enough coverage. The aim is to find the BEST coverage at an affordable rate, not the least amount of coverage.
Cheap car insurance is possible both online as well as from independent agents in Silsbee, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
Informative consumer insurance sites
More information can be read on the website for the Texas Department of Insurance located here. Texas consumers can read consumer alerts, view a list of available companies, find out which companies have the most complaints, and get help finding coverage.