Plainview Insurance Agents – Tips to Finding the Right One

When shopping for auto insurance, there are a lot of options and picking a good Texas insurance agent takes more work than just randomly choosing from the yellow pages. You need a professional agent, but also competitive auto insurance rates.

Because you have many insurance providers from which to choose, it is hard for the average consumer to pick the most cost effective car insurance company.

Your insurance agent down the street

Professional agents can help determine the best coverages and give you peace of mind. One of the great benefits of getting online price quotes is the fact that you can find lower rates and still choose a local agent.

For easy comparison, once you complete this simple form, your insurance coverage information is instantly submitted to agents in your area who will give you bids for your business. You don’t have to visit any agencies due to the fact that quote results will go immediately to your email address. How cool is that?! You can find the lowest rates and an insurance agent to talk to.

Selecting a car insurance agent should depend on more than just a cheap price. Any agent should have no problem answering these questions:

  • Do they feel the quoted coverages are adequate?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • What insurance companies do they recommend if they are an independent agent?
  • Is working in the agency their full-time job?
  • Is the agency involved in supporting local community causes?

Independent or Captive: It’s your choice

When researching a reputable insurance agent or broker, there are a couple of types of insurance agents to choose from. Plainview agents are classified as either captive or independent.

Agency Captives

Captive agencies can only write with one company such as State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to place coverage with different providers so keep that in mind. Captives are trained well on their company’s products which helps them compete with independent agents. Consumers frequently buy from captive agents partially due to loyalty to the company and the convenience of having a single billing for all their coverages.

Shown below is a list of captive insurance agencies in Plainview that are able to give price quote information.

  • Allstate Insurance – 1812 W 5th St – Plainview, TX 79072 – (806) 291-0926
  • Farmers Insurance Group – 4422 Olton Rd – Plainview, TX 79072 – (806) 293-5997
  • Farm Bureau Insurance – 808 S Columbia St – Plainview, TX 79072 – (806) 296-6351
Independent Agents

Independent insurance agents are not required to write business for one company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to find a new agent.

When comparing rates, it’s a good idea to include at least one independent agent to have the most options to choose from. They also have the ability to place coverage with smaller regional carriers who may have lower rates.

Shown below is a short list of independent insurance agents in Plainview that can give you price quote information.

  • Germania Farm Mutual Insurance – 2811 Mesa Dr – Plainview, TX 79072 – (806) 293-4166
  • Plainview Insurance – 120 E 7th St – Plainview, TX 79072 – (806) 293-1318
  • Gary Butler Agency – 500 Dallas St – Plainview, TX 79072 – (806) 293-2545
  • Heller Agency – 3109 Olton Rd # E – Plainview, TX 79072 – (806) 293-9890
  • B J Terrell Agency Inc – 1515 W 5th St – Plainview, TX 79072 – (806) 293-2229

For a full directory of auto insurance agents in Plainview, please go to this site.

Upon getting satisfactory answers for all questions you ask as well as a affordable price, it’s possible that you found an insurance agency that meets your needs to properly service your auto insurance policy.

Consider all the options when buying car insurance

Insurance agencies are important to many people, but you can also buy Texas car insurance directly from online companies. Even companies who have local Plainview agents additionally provide the ability to buy direct on their websites. This is something to consider if finding the best price is important.

If you’re uncomfortable with having to choose coverages yourself, don’t let it bother you. Auto insurance companies that require consumers to choose their own coverages all provide contact methods to walk you through the process.

When shopping for low rates, the only way to find out if the cheapest policy comes from an agent or online is getting rates for as many of both types of providers as possible. Even though it sounds odd, people frequently get different pricing from online quotes as they do from local agents from the SAME company.

Is pricing better online? The answer is complex due to the fact that there are multiple individual factors that impact your final bill. It’s a common assumption that a shopper who purchases direct saves money by not requiring a commission. But the reality is there are very high advertising costs so this can offset any savings.

Summing up your auto insurance search

When shopping online for auto insurance, make sure you don’t reduce needed coverages to save money. In many instances, someone sacrificed physical damage coverage only to find out that the few dollars in savings costed them thousands. Your aim should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Plainview Texas independent agents

People leave their current company for a number of reasons such as denial of a claim, not issuing a premium refund, policy cancellation and poor customer service. No matter why you want to switch, finding a new auto insurance company is less work than it seems.

Additional auto insurance links

More tips and info about auto insurance can be read at the Texas Department of Insurance website. Consumers can get help finding coverage, view agent and company licensing information, and file complaints about a company.