If you’re looking to buy auto insurance, finding the best Texas insurance agent is more difficult than just randomly choosing from the yellow pages. Consumers require a good agent that listens to you, but also cheaper auto insurance prices.
Multiple auto insurance agents compete for your business, so it can be very hard to choose a auto insurance agent and get the definite lowest rate
How to buy auto insurance from an agent in Caldwell
Good agents can help determine the best coverages and help file insurance claims. The best thing about getting online price quotes is that you can obtain the lowest rates but also keep your business local.
To find an agent, once you fill out this quick form, the quote information gets sent to local insurance agents in Caldwell who will battle for your insurance coverage. You don’t have to even leave your home since price quotes are sent straight to your inbox. Now that’s easy! Get lower rates AND a local agent.
Selecting an insurance agent should depend on more than just a cheap price. These questions are important to ask:
- Do they have any clout with companies to ensure a fair claim settlement?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- How long has their agency been open in Caldwell?
- Is working in the agency their full-time job?
- If you have an accident, will your rates go up?
Insurance agent types
If you’re trying to find a good insurance agency, there are a couple of different types of agents that differ in how they can insure your vehicles. Agencies in Caldwell can either be captive or independent (non-captive).
Captive Agents
Captive insurance agents can only place business with one company such as Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to provide prices from multiple companies so it’s a take it or leave it situation. These agents are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents.
Listed below is a short list of captive insurance agents in Caldwell that can give you rate quotes.
Farm Bureau Insurance – 1266 Presidential Corridor E – Caldwell, TX 77836 – (979) 567-9502
Independent Insurance Agents
Independent agents are not required to write business for one company but instead can place your coverage with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part. When comparing rates, it’s recommended you get quotes from at a minimum one independent agency for maximum quote selection.
Below is a list of independent agents in Caldwell that are able to give comparison quotes.
Farm Bureau Insurance – 1266 Presidential Corridor E – Caldwell, TX 77836 – (979) 567-9502
Dena Doonan Insurance – 121 W Buck St – Caldwell, TX 77836 – (979) 567-3323
To view a full list of licensed insurance agents in Caldwell, view this link.
Upon receiving acceptable answers to your questions and an affordable coverage quote, you have narrowed it down to an insurance agent that can service your policy.
Consider every option when buying coverage
Insurance agencies are important, but Texas consumers also have the option to buy direct from companies that only sell online. Certain companies who sell through agents in Caldwell also allow you to buy direct online, so keep that in mind if the lowest rate is your goal.
If you’re anxious about not having someone to ask questions, that should not be a issue. Insurance companies provide options that you can contact for information.
Do online companies have better rates? Many people swear by it, but it’s difficult to answer because there are a lot of things that impact your premium. It’s often assumed that buying online cuts out the agent as a middleman. But the reality is marketing expenses are significant and this drives up their premium costs.
Better coverage you can count on
Cheap auto insurance is possible online and with local Caldwell insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
Consumers leave their current company for many reasons like delays in paying claims, policy non-renewal, poor customer service or even high rates after DUI convictions. It doesn’t matter what your reason, choosing a new company is not as difficult as it may seem.
Additional reading for auto insurance information
More detailed Texas auto insurance information can be found at the Texas Department of Insurance website. Texas drivers can read state legal mandates and laws, view agent and company licensing information, discover disciplinary actions, and find a variety of consumer forms.
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