When searching for an insurance agent in Corinth, Texas, you can always begin your search by comparing rates online instead of making phone calls. Most likely you’re looking for a good agent that listens to you, but you also want to find affordable coverage.
With insurance companies like American Family, Allstate, State Farm and independent agents all competing for business in Corinth, consumers have a hard time knowing which will have the lowest rates and best service. To help decide, you can use online quoting to assemble a group of insurance agents to choose from.
Price shop online but buy from a local Corinth agent
Insurance agents can help determine the best coverages and give you someone to call. The best thing about comparing rates online is that you can obtain lower rates and still choose a local agent. Buying from small agencies is important especially in Corinth.
After filling out this form (opens in new window), the quote information is immediately sent to local insurance agents who will return price quotes for your coverage. You don’t have to leave your house because quoted prices will be sent directly to your email. It doesn’t get any easier!
Corinth car insurance agents come in two flavors
If you’re trying to find a reliable agent, you must know there are a couple different agency structures that you can select. Agencies in Corinth are either independent or captive. Both do a good job, but it’s worth mentioning how they are different because it can impact your selection of an agent.
Independent Insurance Agents
Independent agencies do not work for one specific company but instead can place your coverage amongst many companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency. When searching for an agent, we recommend you contact at a minimum one independent agency to ensure the widest selection of prices. They also have the ability to place coverage with different regional companies who may have lower rates.
Shown below are independent insurance agents in Corinth who can help you get price quotes.
- American National Insurance Co – 3960 Fm 2181 # 300 – Corinth, TX 76210 – (940) 321-6543
- Susan Russell Insurance – 4251 Fm 2181 # 200 – Corinth, TX 76210 – (940) 321-7100
Agency Captives
This type of agents can only write with one company like State Farm, AAA and Liberty Mutual. They usually cannot place coverage with different providers so it’s a take it or leave it situation. These agents receive extensive training on their company’s products and that can be a competitive advantage. Consumers frequently purchase coverage from captives mostly because of loyalty to the company and the convenience of having all coverages with one company.
The following is a list of captive agencies in Corinth who can help you get price quote information.
- Farmers Insurance Group – 1502 Rancho Domingues Rd – Corinth, TX 76210 – (940) 498-1675
- Allstate Insurance – 3572 Fm 2181 – Corinth, TX 76210 – (940) 321-1881
- State Farm Insurance – 1251 Post Oak Dr – Corinth, TX 76210 – (940) 321-8200
For a full directory of captive insurance agencies in Corinth, visit this site.
Deciding on an insurance agent needs to be determined by more than just a low price. Agents should be asked these questions:
- Are claims handled at the agent’s location?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How much can you save by raising your physical damage deductibles?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do they specialize in personal lines coverage?
- Are they properly licensed to sell insurance in Texas?
- Are they full-time agents?
- Can they provide you with a list of referrals?
Upon receiving answers to your satisfaction to any questions you have and a low price estimate, most likely you have located an auto insurance agent that is a good match to adequately provide auto insurance.
Does buying direct online cost less?
Local insurance agents can be invaluable at times, but Texas drivers can also buy direct online. Even companies who sell through agents in Corinth additionally provide the ability to buy online, and that can save time to possibly find a better rate.
If you’re worried about whether or not you’ll have guidance when shopping online, don’t be too concerned. Auto insurance companies that require consumers to choose their own coverages provide toll-free numbers to help you decide which coverages are appropriate. Many online companies also provide a frequently asked questions page that can help answer basic questions.
The only method to determine if agents have better prices than online companies is comparing prices for both of them. It’s not unheard of to actually get different prices from the same insurance company depending on if you quote online or with an agent.
Will auto insurance cost less online? Whether or not you’ll save is impossible to say because there are many components that influence how your policy is priced. Many people think that going direct saves by not paying a commission. But in most cases, there are high advertising and marketing costs so this can offset any savings.
Additional information is available on the Texas Department of Insurance website. Click here for link. Consumers can learn about insurance regulations, download brochures, and read consumer alerts.
Final considerations
When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where someone dropped comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. Your aim should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.
Insureds leave their current company for any number of reasons including high prices, being labeled a high risk driver, unfair underwriting practices or delays in paying claims. No matter why you want to switch, switching companies can be easier than you think.