If you’re looking for a licensed insurance agent in Crockett, we recommend you begin your search on the internet instead of making phone calls. For the sake of this article, we’ll assume you want a great agent that can assess your needs, but also the best rates possible.
With Farmers, Allstate, and independent agents having local Crockett offices, it’s difficult to determine which auto insurance agent will provide you with the cheapest rates and the best coverage. Fortunately, it’s easy to use insurance quotes online to assemble a group of insurance agencies from which to choose.
Comparing prices from Crockett agents
Agents can point out coverage gaps and help file insurance claims. One of the best bonuses of comparing insurance prices online is that you can obtain the best rates and still have an agent to talk to. And supporting local agencies is important especially in Crockett.
After completing this simple form, the quote information is sent to local insurance agents in Crockett who will give you bids for your coverage. You never need to visit any agencies because quoted prices will be sent immediately to your email address. It doesn’t get any easier! Get lower rates and an insurance agent to talk to.
Independent or Captive: It’s your choice
When researching a reputable insurance agent or broker, there are a couple of types of insurance agents to choose from. Agencies in Crockett are categorized either captive or independent (non-captive).
Independent Agents
Independent insurance agents do not work for one specific company but instead can place your coverage with lots of companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency. When searching for an agent, we recommend you get quotes from at a minimum one independent agency to get the best comparison.Most can insure with smaller regional carriers which can be an advantage.
Listed below is a short list of independent insurance agencies in Crockett that may be able to provide price quotes.
- Dean Insurance Inc – 315 S 5th St – Crockett, TX 75835 – (936) 544-5636
- Crockett Insurance Svc – 206 S 5th St – Crockett, TX 75835 – (936) 544-2291
Captive Insurance Agents
Captive agents write business for a single company and examples are Allstate, State Farm and Farmers Insurance. Captives cannot place coverage with different providers so always compare other rates. These agents are well schooled in insurance sales which can be an advantage. Some consumers prefer to choose to use a captive agent primarily because of the brand legacy and the convenience of having a single billing for all their coverages.
The following are Crockett captive agents willing to provide price quotes.
- State Farm Insurance – 501 N 4th St – Crockett, TX 75835 – (936) 544-2015
For a complete listing of captive agencies in Crockett, view this link.
Choosing an insurance agency requires more thought than just a low price. Here are some questions to ask:
- Does the company allow you to choose your own collision repair facility?
- Which company do they place the most coverage with?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Do the coverages you’re quoting properly cover your vehicle?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How often do they review policy coverages?
- Can they give you a list of client referrals?
After getting acceptable answers for all questions you ask in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that will properly insure your vehicles.
What about online companies that don’t have local agents?
Insurance agents are a valuable resource, but you can also buy Texas car insurance direct online. A few companies, such as State Farm, Allstate and Farmers, who sell through agents in Crockett also give you the option to quote and buy online, and that can save time if you don’t want to take the time to contact agents.
If you’re concerned about not having an insurance agent’s advice, don’t be too concerned. Online car insurance companies give you access to trained agents to help you decide which coverages are appropriate. Consumers also can use online education and live help anytime to make it easier to purchase.
If you’re not set on any one company, the best way to find out whether online companies or local agents have lower rates is to take the time to compare rates from both. You can actually get different rates from agents as you do online for the same auto insurance company.
Will you save money buying auto insurance online? It’s hard to say exactly since there are many things that influence the price you pay. It’s a common assumption that a consumer who buys direct lowers rates due to not having any agent compensation. In reality, it’s expensive to advertise and that can cost more than having to pay agents.
Online plus local equals savings
As you restructure your insurance plan, do not reduce needed coverages to save money. In many instances, consumers will sacrifice uninsured motorist or liability limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage at a price you can afford.
Insureds change insurance companies for a number of reasons such as delays in responding to claim requests, policy non-renewal, delays in paying claims or an unsatisfactory settlement offer. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.
For more Texas car insurance information
More information can be read on the Texas Department of Insurance website found here. Texas consumers can discover disciplinary actions, read industry bulletins, and get help finding coverage.
Other useful links include Wikipedia and this page for help finding agents in Crockett, TX.