Selecting a car insurance company in Lockhart, TX can be time consuming since picking a good Texas insurance agent takes more work than just driving to the closest agent’s office. You require a competent insurance agent, and also want to find cheaper car insurance prices.
Consumers have many car insurance agents to buy insurance from, and though it is a good thing to be able to choose, it makes it harder to adequately compare rates.
Your insurance agent down the street
Licensed agents can help determine the best coverages and help file insurance claims. The best thing about comparing rates online is you may find better rates and still have an agent to talk to.
Once you complete this quick form, your information is immediately sent to local insurance agents in Lockhart who will compete for your coverage. There is no reason to leave your house because quoted prices will be sent to your email. Now that’s easy! You’ll get the best rates AND an agent nearby.
Picking a car insurance agent needs to be determined by more than just a cheap price. Agents should be asked these questions:
- Is vehicle mileage a factor when determining depreciation for repairs?
- Who are their largest clients?
- Do they have any clout with companies to ensure a fair claim settlement?
- How long has their agency been open in Lockhart?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
Two types of car insurance agents
When researching a local agent, there are two different types of agents to choose from. Agents are either independent (non-captive) or captive.
Captive Insurance Agents
Captive agents are contracted to one company and some examples include American Family, State Farm and Allstate. They usually cannot place coverage with different providers so they are skilled at selling on more than just price. These agents are well schooled on their products and sales techniques which can be an advantage. Consumers often purchase coverage from captives mostly because of the brand legacy and the convenience of having a single billing for all their coverages.
Below is a short list of captive agents in Lockhart who may provide you with rate quotes.
- State Farm Insurance – 1308 S Colorado St – Lockhart, TX 78644 – (512) 398-3355
- Farmers Insurance Group – 118 S Commerce St – Lockhart, TX 78644 – (512) 398-3301
- Allstate Insurance – 738 S Colorado St # C – Lockhart, TX 78644 – (512) 398-2322
Independent Agencies or Brokers
Independent agents are not required to write business for one company so they have the ability to put coverage amongst many companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part.
When comparison shopping, it’s a good idea to include several independent insurance agents for maximum quote selection. They often place coverage with different regional companies who may have lower rates.
Shown below are Lockhart independent insurance agencies who can help you get comparison quotes.
- Bruce Germer Insurance – 1109 S Main St – Lockhart, TX 78644 – (512) 398-6156
- Insurance Team – 117 White Oak St – Lockhart, TX 78644 – (512) 376-5141
To view a full list of Lockhart insurance agents, please click here.
After receiving acceptable answers as well as a affordable price, it’s possible that you found a car insurance agent that will insure your vehicles.
Are online companies an option?
Insurance agencies are a valuable resource, but you also have the option of buying Texas car insurance directly from online companies. Certain auto insurance companies who have local agents in Lockhart also give you the option to quote and buy online, and consumers should do that if you prefer to buy online.
If you’re uncomfortable with not having professional advice, don’t let it bother you. Companies that allow you to purchase coverage all provide contact methods that you can contact for information.
Is auto insurance cheaper online? Whether or not you’ll save is impossible to say since there may be dozens of rate factors that impact your final bill. It’s a logical assumption that shopping online for auto insurance lowers rates due to not having any agent compensation. For most online online companies, however, there are high advertising and marketing costs and this drives up their premium costs.
In Summary
Cost effective car insurance can be sourced from both online companies and with local Lockhart insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies do not offer online price quotes and these small, regional companies work with independent agents.
As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced liability limits or collision coverage only to find out that the small savings ended up costing them much more. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.
Read more about Texas car insurance
Even more information is available at the Texas Department of Insurance website. Texas consumers can read state legal mandates and laws, view agent and company licensing information, and discover disciplinary actions.