When finding a good Taylor agent, we recommend you start your research by comparing rates online rather than picking up the phone. You require a good professional insurance agent, and also cheaper car insurance prices.
Online insurance companies like State Farm, Farmers Insurance, GEICO and Allstate continually bombard you with TV and radio ads and it is challenging if not impossible to sift through the bull and find the best price available.
Buying car insurance locally
Agents can point out coverage gaps and help in the event of a claim. One of the great benefits of comparing insurance prices online is you can get the lowest rates but still work with a licensed agent.
For easy comparison, once you complete this simple form, your information is instantly submitted to agents in your area who will battle for your business. There is no need to visit any agencies as quotes are delivered to the email address you provide. How’s that for easy!
Picking an insurance agent needs to be determined by more than just a cheap price. Some important questions to ask are:
- What is the agency’s Better Business Bureau rating?
- Do they specialize in personal lines coverage?
- Did they already check your driving record and credit reports?
- Do they review policy coverages at every renewal?
- Will your rates increase after a single accident?
- Which insurance companies are they affiliated with?
Captive and independent Taylor insurance agents
When searching for a good Taylor insurance agent, you need to know there are two different agency structures to choose from. Taylor agents are either independent or captive. Either one can do a good job, but it’s important to know how they are different because it can impact your selection of an agent.
Agency Captives
Captive insurance agents work for only one company and examples are AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are not able to compare other company’s rates so they have no alternatives for high prices. These agents receive extensive training on their company’s products which can be an advantage. Consumers often choose to use a captive agent primarily because of loyalty to the company and solid financial strength.
Below is a short list of captive agencies in Taylor that are able to give comparison quotes.
- Farm Bureau Insurance – 2301 N Main St – Taylor, TX 76574 – (512) 365-5212
Independent Insurance Agents
These agents are not locked into one company so they can insure your vehicles with many different companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and you won’t have to switch agencies. When shopping rates, we recommend you include price quotes from multiple independent agents for maximum quote selection. They often place coverage with smaller regional carriers which may provide better rates.
Listed below is a short list of independent agencies in Taylor that are able to give price quotes.
- Guess Insurance Svc – 1011 N Main St – Taylor, TX 76574 – (512) 352-7676
- Ken Ludwig Insurance – 104 W 4th St # A – Taylor, TX 76574 – (512) 352-7778
For a full directory of insurance agents in Taylor, please view this page.
Upon receiving reasonable responses to any questions you have and locked in a price quote, most likely you have located an auto insurance agent that is a good match to adequately provide car insurance.
Isn’t it cheaper to buy direct from companies like GEICO and Progressive?
Licensed agents are indespensible for some people, but Texas consumers also have the option to buy from companies direct over the internet. Certain companies, such as State Farm, Allstate and Farmers, that are more known for using agents, also give you the option to buy a policy online, and consumers should do that if finding the best price is important.
If you’re worried about not getting advice from an agent, this is normal but is quickly overcome. Online companies provide phone numbers and online resources to help you decide which coverages are appropriate. They also have anytime access to help and a customer research section that you can use before buying.
Can you save money buying online? Whether or not you’ll save is impossible to say because there are many factors that influence the price you pay. It’s a common assumption that buying directly from the company saves money by not requiring a commission. But the fact is, online and traditional media advertising are expensive so the lack of a commission may be a wash.
Smart shoppers get results
Budget-conscious car insurance can be found from both online companies in addition to many Taylor insurance agents, so you should compare both in order to have the best chance of saving money. Some companies do not provide the ability to get a quote online and these smaller companies work with independent agents.
Drivers switch companies for any number of reasons including delays in paying claims, extreme rates for teen drivers, delays in responding to claim requests or not issuing a premium refund. It doesn’t matter why you want to switch finding a great new company can be easier than you think.
Additional Texas car insurance resources
Even more information is located at the Texas Department of Insurance website. Visitors are able to get help finding coverage, find disaster information, file complaints about an insurance agent or broker, and find out which companies have the most complaints.