Guide to Finding the Best Insurance Agent in Commerce

Comparing auto insurance rates in Commerce can be a lot of work since you have many choices and picking a good Texas insurance agent is harder than just calling the closest agent. It’s likely you’re looking for a good agent that listens to you, but you also want to find great rates as well.

With companies like Farmers, Allstate, and independent agents all competing for your business, consumers have a hard time knowing which one will provide the lowest rates and best service. Thankfully, it’s easy to use online price quotes in order to build a list of agents and price estimates.

Commerce agents for auto insurance

Professional agents can help determine the best coverages and help in the event of a claim. The biggest benefit of getting online price quotes is that you can obtain better rates but still work with a licensed agent. And supporting local agencies is especially important in Commerce.

To find an agent, once you fill out this simple form, your insurance data is immediately sent to insurance agents in Commerce who will give you bids for your coverage. There is no reason to leave your computer as quotes are delivered to your email. Now that’s easy!

Two types of insurance agencies

When researching a good insurance agency, there are a couple of different types of agents to choose from. Agents are classified as either independent or captive. Both types can write coverage properly, but it’s good to learn how they are different since it can impact the type of agent you choose

Independent Insurance Agents

These agents do not work for one specific company but instead can place your coverage with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies and you don’t have to find a new agent.

When searching for an agent, we recommend you include price quotes from at least one independent agent to ensure the widest selection of prices.

Shown below are independent agents in Commerce who can help you get comparison quotes.

Dyer Insurance Inc – 1504 Washington St – Commerce, TX 75428 – (903) 886-2131
Duncan Insurance – 1119 Main St – Commerce, TX 75428 – (903) 886-2183

Agency Captives

This type of agents can only write with one company such as Allstate, AAA, Liberty Mutual and State Farm. They are unable to give you multiple price quotes so it’s a take it or leave it situation. They are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage.

Below is a short list of captive agencies in Commerce willing to provide price quote information.

State Farm Insurance – 1500 Live Oak St – Commerce, TX 75428 – (903) 886-7774
Allstate Insurance – 1203 Sycamore St – Commerce, TX 75428 – (903) 886-4717

To view a full list of captive insurance agencies in Commerce, please click here.

Picking a car insurance agent shouldn’t rely on just a cheap price. Any agent should be forthright in answering these questions:

  • What will you get paid if your car is a total loss? How is that amount determined?
  • How many years of experience in personal lines insurance coverages do they have?
  • Does the company allow you to choose your own collision repair facility?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Are they properly licensed to sell insurance in Texas?
  • What insurance companies do they work with?
  • How long has their agency been open in Commerce?

After receiving answers to your satisfaction to all your questions in addition to an acceptable price estimate, it’s possible that you found an auto insurance agent that meets your needs to properly service your auto insurance policy.

Online auto insurance companies

Licensed agents serve a purpose, but you can also find affordable Texas auto insurance from online companies direct. Some car insurance companies who have local Commerce agents also let you get quotes and purchase online, and that is helpful and can also potentially find you lower rates.

If you’re uncomfortable with not getting proper coverage when buying car insurance direct, this is a normal reaction for first-time shoppers. Online insurance companies all have client service departments to walk you through the process.

Does car insurance cost less online? Many people think so, but it’s hard to say for sure since there are so many components that can increase policy rates. Some people think that shopping online for auto insurance cuts out the middleman. In many cases, marketing expenses are significant and that impacts the rates consumers pay.

Commerce TX car insurance agent

More information is available on the website for the Texas Department of Insurance found here. Texas consumers can file complaints about a company, file complaints about an insurance agent or broker, and learn about insurance regulations.

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One last thing about your coverage

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. There have been many cases where an accident victim reduced liability coverage limits only to regret at claim time that the savings was not a smart move. The proper strategy is to buy enough coverage at an affordable rate.

Lower-priced auto insurance is possible on the web in addition to many Commerce insurance agents, so you should compare both to have the best rate selection. Some insurance providers do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.