When trying to find a good Friona agent, we recommend you start your research on the web in order to save time. Chances are that not only do you want a great agent that can assess your needs, but you also want great rates as well.
With companies like Allstate, Farmers, State Farm and many independent agents having local Friona offices, consumers have a hard time knowing which car insurance agent will provide you with the best service and rates. Fortunately, it’s easy to use insurance quotes online to assemble a group of insurance agencies from which to choose.
How to buy auto insurance from an agent in Friona
Educated insurance agents can answer important questions and help you file claims. One of the best bonuses of comparing insurance prices online is you can get the best rates and still have an agent to talk to. Supporting local businesses is especially important in Friona.
After completing this form (opens in new window), your insurance data gets sent to local insurance agents who will compete for your insurance coverage. You don’t have to visit any agencies as quotes are delivered to the email address you provide. It doesn’t get any easier! Get lower rates AND a local agent.
The difference between Friona auto insurance agents
When finding local Friona agents, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agencies in Friona can either be captive or independent (non-captive).
Independent Agents
Independent agents do not work for one specific company but rather can write business with any number of different companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency. When shopping rates, it’s recommended you contact several independent insurance agents to get the best comparison.
Listed below is a list of independent insurance agencies in Friona that may be able to provide rate quotes.
Judy Cummings Insurance – 301 W 15th St – Friona, TX 79035 – (806) 250-3801
Prairie Insurance Inc – 603 Main St – Friona, TX 79035 – (806) 250-2766
Agency Captives
This type of agents write business for a single company such as Allstate, AAA, Liberty Mutual and State Farm. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Captive agencies receive extensive training on the products they sell which can be an advantage.
Deciding on an insurance agency requires more thought than just the price. Any agent should have no problem answering these questions:
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Is assistance available after office hours?
- Do they assist clients in filing claims?
- How long have they worked with personal auto insurance coverage?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Does the agency have a good rating with the Better Business Bureau?
- Do they make recommendations based only on price?
- If you are a high risk driver, do they have special markets for your coverage?
After getting positive responses to these questions in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that meets your needs to properly insure your vehicles.
What if I want to buy from an online company?
Insurance agents are perfect for certain consumers, but Texas drivers can also buy directly from online companies. Even companies, such as State Farm, Allstate and Farmers, who sell through agents in Friona also allow you to get a quote and buy online, so that should be considered.
If you’re uneasy about not receiving proper advice when buying online, this really isn’t an issue. Companies that allow you to purchase coverage provide phone numbers and online resources to answer your questions.
Can you save money buying online? The answer is complex because there are so many things that influence your rates. Some people will tell you that a shopper who purchases direct saves by not paying a commission. For most companies selling online, however, online and traditional media advertising are expensive and that can quickly cost more than paying an agent.
Additional information is located on the website for the Texas Department of Insurance. Click here for link. Texas drivers can learn about specific coverages, read industry bulletins, report car insurance fraud, and learn about insurance regulations.
In conclusion
The cheapest auto insurance can be sourced from both online companies and with local Friona insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.
People leave their current company for any number of reasons including not issuing a premium refund, being labeled a high risk driver, questionable increases in premium and even delays in paying claims. No matter why you want to switch, choosing a new company is less work than it seems.