When searching for a good insurance agent in Jacksonville, Texas, we recommend you do the preliminary legwork by getting online comparison quotes to save yourself time. It’s assumed that not only do you want a friendly agent, but you also want to find great rates as well.
With companies like American Family, Allstate, State Farm and independent agents having local Jacksonville offices, it can be hard to know which one will provide the best service and rates. To begin, you can use online price quotes to assemble a group of insurance agencies and price estimates.
Local Jacksonville agents and car insurance
Licensed agents can answer important questions and help you file claims. One of the great benefits of comparing rates online is you may find the lowest rates and still have an agent to talk to. And providing support for local insurance agencies is definitely important in Jacksonville.
Upon completion of this short form, your coverage information is emailed to local insurance agents in Jacksonville who will give you bids for your coverage. You don’t have to even leave your home due to the fact that quote results will go immediately to your email address. Now that’s easy!
Jacksonville auto insurance agents come in two flavors
When finding a reputable insurance agent or broker, there are a couple of different agency structures from which to choose. Insurance agencies in Jacksonville are either independent or captive. Both types can do a good job, but it’s worth mentioning how they are different because it can impact the type of agent you choose
Independent Agencies or Brokers
These agents are not required to write business for one company so they can insure your vehicles amongst many companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally without you having to go to a different agency.
When shopping rates, it’s recommended you contact several independent insurance agents for maximum quote selection.
The following are independent agents in Jacksonville who can help you get price quote information.
Green Insurance Concepts – – Jacksonville, TX 75766 – (903) 586-2565
Mark Kerzee Insurance – 217 E Commerce St # B – Jacksonville, TX 75766 – (903) 586-8586
Captive Insurance Agents
Captive agencies have only one company to place business with such as AAA, State Farm, Farmers Insurance and Allstate. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Captives receive extensive training in insurance sales which helps them compete with independent agents.
The following are captive insurance agencies in Jacksonville that are able to give comparison quotes.
Allstate Insurance – 1009 S Jackson St – Jacksonville, TX 75766 – (903) 586-1615
State Farm Insurance – 322 Neches St – Jacksonville, TX 75766 – (903) 586-7686
For a complete listing of Jacksonville captive insurance agents, go to this page.
Deciding on a car insurance agent should depend on more than just the price. Agents should be asked these questions:
- Does the agency have a good rating with the Better Business Bureau?
- Do they specialize in personal lines coverage?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- What will you get paid if your car is a total loss? How is that amount determined?
- Is working in the agency their full-time job?
- Who is covered by the car insurance policy?
- Do they feel the quoted coverages are adequate?
After receiving acceptable answers in addition to an acceptable price estimate, it’s possible that you found an insurance agency that meets your needs to properly service your car insurance policy.
You have the option to buy direct online
Insurance agencies are a valuable resource, but Texas consumers also have the option to buy directly from online companies. A few companies like Allstate and State Farm who have local agents in Jacksonville also allow consumers to buy a policy online, and that is helpful if you’re trying to lower your rates.
If you’re uncomfortable with not getting advice from an agent, this is normal but is quickly overcome. Online car insurance companies provide customer service to walk you through the process.
Are car insurance rates lower online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because there are a lot of things which can raise or lower premium rates. It would make sense to think that a customer who purchases direcly from an online company prevents the agent from taking a cut. For most companies selling online, however, online and traditional media advertising are expensive so the lack of a commission may be a wash.
For more information
Additional car insurance information can be read on the website for the Texas Department of Insurance. Click here for link. Texas consumers can find disaster information, read state legal mandates and laws, discover disciplinary actions, and view agent and company licensing information.
The following information may also be useful.
- 9 Ways to Save on Auto Insurance in Jacksonville Florida
- Quote Jacksonville Car Insurance Cheaper With These Proven Methods
Cheaper insurance is a realistic goal
Low-cost car insurance is definitely available both online and with local Jacksonville insurance agents, and you should be comparing 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 most of the time these small, regional companies sell through independent agents.
As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. There are many occasions where someone dropped liability coverage limits only to regret that it was a big mistake. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.