Joshua Car Insurance Company Price Comparisons

To find an insurance agent in Joshua, TX, you can always do an initial search online to save time. You need a highly trained agent, but also the lowest rates for car insurance in Joshua.

Multiple insurance agencies compete for your insurance dollar, and it can be difficult to compare rates to get the lowest rate

Your insurance agent down the street

Agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of comparing rates online is that you can obtain better rates and still choose a local agent.

After completing this form (opens in new window), your coverage information is emailed to local insurance agents who will battle to get your business. There is no need to even leave your home as quotes are delivered to the email address you provide. How’s that for easy!

Choosing an insurance agent needs to be determined by more than just the premium amount. Ask your prospective agent these questions:

  • If you are a high risk driver, do they have special markets for your coverage?
  • What insurance companies do they recommend if they are an independent agent?
  • Are claims handled at the agent’s location?
  • What insurance companies do they work with?
  • Are they able to influence company decisions when a claim is filed?
  • Are they properly licensed to sell insurance in Texas?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.

Two different types of insurance agents

When researching a reliable agent, there are two different agency structures to choose from. Agencies in Joshua are categorized either captive or independent. Either one can write coverage properly, but it’s worth mentioning how they are different since it may influence the type of agent you choose

Agency Captives

These agents work for only one company and some examples include American Family, Liberty Mutual and AAA. They generally cannot shop your coverage around so they have no alternatives for high prices. Captive agents receive extensive training on the products they sell which can be an advantage. Some consumers prefer to buy insurance from these agents primarily because of the prominence of the brand and strong financial ratings.

Below is a short list of captive agents in Joshua that are able to give comparison quotes.

  • State Farm Insurance – 309 S Broadway St – Joshua, TX 76058 – (817) 558-1000
  • Allstate Insurance – 332 N Broadway St – Joshua, TX 76058 – (817) 774-0051
Independent Agents (or Brokers)

Independent agencies are not locked into one company so they can insure your vehicles with many different companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house and you won’t have to switch agencies. When comparing rates, we recommend you get quotes from multiple independent agents to have the most options to choose from. They also have the ability to place coverage with different regional companies which may provide better rates.

Listed below is a short list of independent agents in Joshua that can give you price quotes.

  • Barbara Sims Insurance – 1611 S Broadway St – Joshua, TX 76058 – (817) 641-2901
  • Henslee Insurance Inc – 1126 N Broadway St – Joshua, TX 76058 – (817) 447-2771

For a complete listing of car insurance agents in Joshua, simply jump to this page.

After getting good answers to all your questions in addition to an acceptable price estimate, chances are good that you have found a car insurance agent that will provide car insurance coverage.

Include online companies when price shopping

Car insurance agents can be invaluable at times, but Texas car insurance can also be bought from companies direct over the internet. Some car insurance companies who have local agents in Joshua also let you buy a policy online, and that can save time if you prefer not to work with an agent.

If you’re uneasy about not getting proper coverage when buying car insurance direct, that should not be a issue. Car insurance companies that allow you to purchase coverage provide access to licensed agents to answer any questions you may have. Many online companies also provide 24/7 live help and a car insurance FAQ section that you can use if you have questions.

Is pricing better online? Many people think so, but it’s hard to say for sure because of the number of factors that impact your final bill. It’s logical to say that buying directly from the company saves by not paying a commission. For the majority of companies, however, getting their brand in front of customers is expensive and that can cost more than having to pay agents.

Even more information can be read at the Texas Department of Insurance website. Texas drivers can find out industry alerts, learn about specific coverages, and find a variety of consumer forms.

Additional helpful sites include this online resource for free quotes in Texas and this resource to find Joshua, TX insurance agents.

Joshua Texas insurance agency

Buy online or local, you save

People switch companies for any number of reasons including poor customer service, lack of trust in their agent, high rates after DUI convictions and even unfair underwriting practices. Regardless of your reason for switching companies, finding a new company is pretty easy and you might even save some money in the process.

Low-cost car insurance can be bought online as well as from independent agents in Joshua, and you need to price shop both to get a complete price analysis. Some companies don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.