Finding good auto insurance in Graham can be challenging since selecting the best Graham car insurance agent for your needs is not as easy as just picking up the phone. For this article’s sake, it’s assumed you want a friendly agent, but also the best rates possible.
With companies like American Family, Allstate, State Farm and Farmers all competing for your business, consumers have a hard time knowing which provider will provide you with the cheapest rates and the best coverage. Thankfully, it’s easy to use insurance quotes online to get a list of agents and thier coverage prices.
Comparing prices from Graham agents
Professional agents can point out coverage gaps and help you file claims. The best thing about comparing rates online is the fact that you can find the lowest rates but also keep your business local. And providing support for local businesses is important especially in Graham.
After completing this simple form, your information is emailed to agents in your area who will return price quotes for your coverage. You never need to leave your computer since price quotes are sent directly to your email. It doesn’t get any easier!
Is a captive or independent auto insurance agent right for you?
When researching a good insurance agency, there are two different agency structures to choose from. Agents can either be captive or independent. Both types can do a good job, but it’s worth mentioning how they are different since it can impact your selection of an agent.
Independent Agents (or Brokers)
Independent insurance agents are not employed by any specific company but rather can write business with any number of different companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent.
When searching for an agent, we recommend you contact at least one independent agent for maximum quote selection. They often place coverage with smaller companies who may have lower rates.
Shown below are independent agents in Graham willing to provide competitive price quotes.
- Germania Insurance – 607 Elm St # 2 – Graham, TX 76450 – (940) 549-2504
- Bryan Insurance – 623 Elm St # 200 – Graham, TX 76450 – (940) 549-2525
Agency Captives
These agents write business for a single company and some examples include Allstate, State Farm and Farmers Insurance. Captives cannot compare other company’s rates so they have to upsell other benefits. These agents receive extensive training on their products and sales techniques which helps them compete with independent agents. Consumers frequently buy from captive agents mainly due to high brand loyalty and strong financial ratings.
Below are Graham captive insurance agencies who can help you get price quote information.
- Farm Bureau Insurance – 420 Oak St – Graham, TX 76450 – (940) 549-2565
- Farmers Insurance Group – 408 Elm St – Graham, TX 76450 – (940) 549-2677
To view a full list of captive agencies in Graham, simply jump to this page.
Deciding on an auto insurance agent needs to be determined by more than just the bottom line cost. Any agent should be forthright in answering these questions:
- Will their companies depreciate repairs to your car based on the mileage?
- How long has their agency been in business in Graham?
- Do they carry Errors and Omissions coverage?
- If you are a high risk driver, do they have special markets for your coverage?
- Is vehicle damage repaired with OEM or aftermarket parts?
- What insurance companies do they recommend if they are an independent agent?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they have any clout with companies to ensure a fair claim settlement?
After getting acceptable answers to your questions and an affordable coverage quote, you may have just found an insurance agency that meets your needs to provide auto insurance coverage.
But what about online car insurance?
Car insurance agents are a valuable resource, but Texas consumers also have the option to buy direct from companies online. Certain companies, such as Farmers Insurance and State Farm, that are more known for using agents, also let you buy direct online, and that is helpful if you’re trying to lower your rates.
If you’re apprehensive about not having an agent to talk to when buying online, don’t let it bother you. Car insurance companies have customer service departments you can use to get advice on coverages.
Will auto insurance cost less online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because of the number of factors that impact your final bill. Some people think that a consumer who buys direct saves the cost of an agent commission. For most online online companies, however, there are high advertising and marketing costs and this tends to eat up any savings.
Additional information can be read on the Texas Department of Insurance website located here. Consumers can read consumer alerts, read industry bulletins, discover disciplinary actions, and find a variety of consumer forms.
Keep this in mind
Budget-conscious auto insurance is attainable online and also from your neighborhood Graham agents, so you should compare both to have the best selection. A few companies may not provide the ability to get a quote online and these smaller companies work with independent agents.
Drivers change insurance companies for a variety of reasons including poor customer service, extreme rates for teen drivers, lack of trust in their agent or unfair underwriting practices. No matter why you want to switch, finding a great new company is easier than you think.