To find a good insurance agent in Benbrook, TX, it’s recommended you do an initial search by comparing rates online to save time. Consumers require a friendly agent, but also need cheap rates.
With consumers having so many options, it can be hard to choose the best car insurance company.
Local Benbrook auto insurance agents
Licensed agents can help determine the best coverages and help you file claims. The biggest benefit of comparing rates online is the fact that you can find the best rates and still choose a local agent.
After completing this simple form, the quote information gets sent to companies in Benbrook who will return price quotes to get your business. There is no reason to leave your house as quotes are delivered straight to your inbox. How cool is that?! You can find better rates and work with a local agent.
Choosing an auto insurance agent should depend on more than just the price. These questions are important to ask:
- Can they give you a list of client referrals?
- Which company do they place the most coverage with?
- Is the agency involved in supporting local community causes?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are claim adjusters local or do you have to take your car somewhere else?
- If you are a high risk driver, do they have special markets for your coverage?
Not all insurance agencies are the same
When researching a good insurance agency, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Benbrook agents are classified as either independent (non-captive) or captive.
Captive Agents
Captive insurance agents can only place business with one company and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. They generally cannot give you multiple price quotes so they have no alternatives for high prices. Captives are well schooled on their products and sales techniques and that can be a competitive advantage.
The following are captive agents in Benbrook who can help you get price quote information.
State Farm Insurance – 503 Mercedes St # A – Benbrook, TX 76126 – (817) 249-2020
Allstate Insurance – 9471 Highway 377 S – Benbrook, TX 76126 – (817) 249-1187
Farmers Insurance Group – 3559 Williams Rd – Benbrook, TX 76116 – (817) 244-7184
Independent Agencies or Brokers
Independent agents do not work for one specific company but instead can place your coverage with many different companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part.
When comparison shopping, it’s recommended you get quotes from multiple independent agents for maximum quote selection.
The following are independent insurance agents in Benbrook willing to provide price quotes.
Michal B Morris Insurance Agcy – 6410 Southwest Blvd # 117 – Benbrook, TX 76109 – (817) 732-2642
Courtney Insurance – 3726 Highway 377 S # A – Benbrook, TX 76116 – (817) 560-2555
To view a full list of auto insurance agents in Benbrook, view this link.
After getting satisfactory answers to any questions you have in addition to an acceptable price estimate, it’s possible that you found a car insurance agent that will service your policy.
Online insurance company options
Auto insurance agents are important to many people, but you also have the option of buying Texas car insurance direct from companies that only sell online. Some companies who sell through agents in Benbrook also allow you to get quotes and purchase online, and online price comparisons are easy as an alternative to contacting agents.
If you’re uneasy about not having an insurance agent’s advice, don’t be too concerned. All companies that allow you to purchase coverage give you access to trained agents to walk you through the process. Most companies also provide live chat and online tools to help with the buying process.
Can you save money buying online? Whether or not you’ll save is impossible to say due to the fact that there are many factors that influence the price you pay. It’s a common assumption that purchasing direct online saves money because there is no agent involvement. For most companies selling online, however, there are high advertising and marketing costs so there may not be significant savings.
The best approach to find out if car insurance prices are lower online or from agents is comparing prices for both of them. Even though it sounds odd, people frequently get different pricing from agents as you do online returned by the same company. But you can’t find out whether the best rates are online or from an agent unless free rate quotes are compared for both.
Buy online or local, you save
As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where consumers will sacrifice liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your aim should be to buy enough coverage at an affordable rate, not the least amount of coverage.
Consumers change insurance companies for many reasons like denial of a claim, policy non-renewal, an unsatisfactory settlement offer and lack of trust in their agent. It doesn’t matter why you want to switch switching auto insurance companies is pretty easy and you might even save some money in the process.
More information about auto insurance
More detailed Texas auto insurance information is available at the Texas Department of Insurance website. Consumers can download brochures, find disaster information, find out which companies have the most complaints, and get help finding coverage.