Free Quotes for Cheaper Car Insurance Pricing From the Best Insurance Agents in Kaufman

Comparing car insurance companies in Kaufman, Texas can be challenging because choosing the right Kaufman insurance agent is more difficult than just calling the closest agent. Chances are good you require not only a good professional insurance agent, but you also want to find the best rates possible.

With insurance companies like State Farm, Allstate, Farmers and independent agents having offices in Kaufman, it’s difficult to determine which car insurance agent will provide the best rates, service and coverage. To begin, it’s easy to use online price quotes to assemble a group of agencies from which to choose.

Car Insurance through a local Kaufman agent

Insurance agents can point out coverage gaps and help in the event of a claim. One of the great benefits of getting online price quotes is the fact that you can find better rates but still work with a licensed agent. Supporting small agencies is important especially in Kaufman.

To find an agent, once you fill out this simple form, your insurance data is submitted to agents in your area who will return price quotes for your coverage. You don’t have to leave your house as quotes are delivered directly to your email. It doesn’t get any easier!

The type of insurance agent you choose is important

When searching for local Kaufman agents, you need to know there are two different agency structures from which to choose. Insurance agencies in Kaufman are categorized either independent or captive. Both types can write coverage properly, but it’s good to learn the differences since it may influence the selection process.

Independent Agents (or Brokers)

These agents do not work for one specific company but rather can write business amongst many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and you won’t have to switch agencies. When comparison shopping, it’s a good idea to include multiple independent agents to ensure the widest selection of prices. They also have the ability to place coverage with smaller regional carriers who may have lower rates.

Shown below are independent agents in Kaufman who may be able to give you comparison quotes.

  • Progressive Insurance Co – 1207 S Washington St – Kaufman, TX 75142 – (972) 962-8629
  • Rural Farm Insurance – 1601 S Washington St – Kaufman, TX 75142 – (972) 932-4780
Captive Agents

These agents write business for a single company like Liberty Mutual, Allstate, Farmers Insurance or State Farm. They are unable to compare other company’s rates so they are skilled at selling on more than just price. They are well schooled in insurance sales which can be an advantage. Consumers often choose to use a captive agent partially due to high brand loyalty and solid financial strength.

Below are Kaufman captive insurance agents who can help you get comparison quotes.

  • State Farm Insurance – 1404 S Washington St – Kaufman, TX 75142 – (972) 932-6653
  • KFMN Co Farm Bureau – 114 Oak St – Kaufman, TX 75142 – (972) 962-5335

To view a complete directory of captive agents in Kaufman, visit this link.

Picking an insurance agency needs to be determined by more than just a low price. These are valid questions to ask:

  • Is the agent and/or agency licensed to do business in Texas?
  • Does the agency support the community they serve?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • If you are a high risk driver, do they have special markets for your coverage?
  • What is the agency’s Better Business Bureau rating?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

Once you have reasonable responses to all your questions and locked in a price quote, most likely you have located an insurance agent that is a good match to service your policy.

Purchasing car insurance direct online is an option

Insurance agents are important, but Texas drivers can also buy direct from companies online. Certain auto insurance companies who have local Kaufman agents also give you the option to buy direct on their websites, so this should also be taken into consideration if you want to do it yourself.

If you’re concerned about selecting your own policy coverages, that shouldn’t be an issue. Companies provide phone numbers and online resources you can use to get advice on coverages.

Is it cheaper to buy car insurance 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. Some people think that a consumer who buys direct prevents the agent from taking a cut. For most online online companies, however, getting their brand in front of customers is expensive and that can quickly cost more than paying an agent.

More information is located on the Texas Department of Insurance website through this link. Texas drivers can learn about insurance regulations, find disaster information, and view agent and company licensing information.

Additional helpful sites include this link for Texas coverage information and CarInsuranceDIY.com.

Kaufman independent agents

What is YOUR best insurance company?

Consumers change insurance companies for many reasons like delays in responding to claim requests, lack of trust in their agent, policy non-renewal or even extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

Cheaper car insurance can be bought on the web and also from your neighborhood Kaufman agents, and you should be comparing both so you have a total pricing picture. Some insurance companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.