When finding an insurance agent in Dalhart, TX, you can do an initial search on the web rather than picking up the phone. You need a highly trained agent, but also cheaper auto insurance prices.
With so many options when it comes to auto insurance, it’s difficult to choose the cheapest insurer.
Quote online but still have a local agent
Professional agents can point out coverage gaps and give you someone to call. One of the great benefits of price shopping on the web is you may find better rates and still choose a local agent.
Upon completion of this form (opens in new window), your insurance coverage information gets sent to companies in Dalhart who will battle for your insurance coverage. You never need to drive around as quotes are delivered immediately to your email address. How’s that for easy! Get lower rates and a licensed agent to work with.
Selecting a car insurance agent should depend on more than just the premium amount. Ask your prospective agent these questions:
- What will you get paid if your car is a total loss? How is that amount determined?
- How are claims handled?
- Will their companies depreciate repairs to your car based on the mileage?
- Which company do they place the most coverage with?
- Are claim adjusters local or do you have to take your car somewhere else?
- Are they able to influence company decisions when a claim is filed?
- Do the coverages you’re quoting properly cover your vehicle?
Captive agents vs. Independent agents
When looking for an insurance agent, there are a couple of different types of agents that you can select. Insurance agencies in Dalhart are either independent or captive.
Captive Agents
Captive agents work for only one company and examples are AAA, Allstate and State Farm. They generally cannot shop your coverage around so it’s a take it or leave it situation. Captive agents are well schooled on the products they sell which helps them compete with independent agents.
Shown below is a short list of captive insurance agents in Dalhart that are able to give comparison quotes.
Farm Bureau Insurance – 702 Peach Ave – Dalhart, TX 79022 – (806) 249-5604
Independent Agencies or Brokers
Independent agents do not work for one specific company but rather can write business with many different companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent.
When comparison shopping, you should always contact several independent insurance agents to have the most options to choose from.
The following are independent insurance agents in Dalhart that can give you rate quotes.
Fairchild Insurance – 802 W 7th St – Dalhart, TX 79022 – (806) 244-2485
Langhorne Agency Inc – 313 Denrock Ave – Dalhart, TX 79022 – (806) 244-5543
Farm Bureau Insurance – 702 Peach Ave – Dalhart, TX 79022 – (806) 249-5604
For a full directory of insurance agents in Dalhart, click here to link.
After receiving good answers and a good coverage price, most likely you have located an insurance agent that meets your needs to provide auto insurance coverage.
Include online companies when price shopping
Licensed agents are perfect for certain consumers, but Texas consumers also have the option to buy from online companies direct. Some car insurance companies that sell primarily through agents additionally provide the ability to get quotes and purchase online, and that can save time if the lowest rate is your goal.
If you’re worried about whether or not you’ll have guidance when buying car insurance direct, that is normal but is not a big issue. Auto insurance companies that require consumers to choose their own coverages all have client service departments to walk you through the process.
Is pricing better online? Many people think so, but it’s hard to say for sure due to the fact that there are multiple individual factors which can adversely affect your policy premium. It would make sense to think that shopping direct cuts out the middleman. But that assumption is generally incorrect because it’s expensive to advertise and that can quickly cost more than paying an agent.
More tips and info about auto insurance can be read at the Texas Department of Insurance website. Texas drivers can view agent and company licensing information, get help finding coverage, learn about insurance regulations, and read enforcement actions against agents and companies.
Additional helpful sites include QuoteClickInsure.com and QuoteClickSave.com.
Keep this in mind
Low-cost auto insurance can be sourced from both online companies and also from your neighborhood Dalhart agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not provide online quoting and many times these smaller companies only sell through independent insurance agents.
Drivers switch companies for a number of reasons such as extreme rates for teen drivers, questionable increases in premium, poor customer service and high rates after DUI convictions. No matter why you want to switch, choosing a new insurance company is not as difficult as it may seem.