Comparing auto insurance rates in Stephenville can be a lot of work since picking a good Texas car insurance agent takes more work than just calling the closest agent. Consumers require a friendly agent, but also the best price on auto insurance.
Insurance companies such as GEICO, Progressive and Allstate persitently shower you with advertising and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.
Best way to find Stephenville agents
Professional agents are trained to spot inefficiencies and give you someone to call. The best thing about comparing insurance prices online is that you can obtain lower rates and still choose a local agent.
After filling out this simple form, your coverage information gets sent to local insurance agents in Stephenville who will give you bids for your insurance coverage. You won’t need to visit any agencies since price quotes are sent to the email address you provide. How cool is that?!
Deciding on a car insurance agent requires more thought than just a low price. Any agent should be forthright in answering these questions:
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Which members of your family are coverage by the policy?
- How are claims handled?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they review policy coverages at every renewal?
Compare rates from both independent and captive insurance agencies
When researching an insurance agent, there are two types of insurance agents that you can select. Agents are classified as either independent (non-captive) or captive. While both can insure your vehicles, but it’s worth mentioning the difference between them since it can impact the selection process.
Captive Agents
Captive insurance agents can only place business with one company like Liberty Mutual, State Farm, Allstate and AAA. These agents are unable to compare other company’s rates so it’s a take it or leave it situation. Captives are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents. Consumers sometimes purchase coverage from captives partially due to loyalty to the company and solid financial strength.
The following are Stephenville captive agencies who may provide you with comparison quotes.
- Farm Bureau Insurance – 936 S Us Highway 281 – Stephenville, TX 76401 – (254) 965-7861
- Allstate Insurance – 1745 W South Loop # C – Stephenville, TX 76401 – (254) 965-8819
- State Farm Insurance – 425 W Washington St # C – Stephenville, TX 76401 – (254) 965-5623
Independent Insurance Agents
Independent agencies do not work for one specific company so they have the ability to put coverage with many different companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part.
When shopping rates, we recommend you include at least one independent agent for the best price selection. Most have the option of insuring with different regional companies which can be an advantage.
Shown below is a short list of independent agencies in Stephenville that are able to give price quotes.
- Patterson Agency – 702 E South Loop – Stephenville, TX 76401 – (254) 965-7803
- Holman Hilton Insurance Co – 791 W Long St – Stephenville, TX 76401 – (254) 968-7868
- A L Williams Insurance – Dublin Hwy – Stephenville, TX 76401 – (254) 965-5614
- Fraser Agency Inc – 375 W Washington St – Stephenville, TX 76401 – (254) 965-3155
- Stevens Insurance Agency – 1525 W Lingleville Rd – Stephenville, TX 76401 – (254) 968-4602
To view a complete directory of auto insurance agents in Stephenville, visit this site.
Upon getting positive feedback in addition to an acceptable price estimate, you’ve probably found an auto insurance agent that will adequately provide auto insurance.
Do online insurance companies have lower rates?
Local insurance agents are important, but Texas consumers also have the option to buy from online companies direct. Even companies who have local Stephenville agents also give you the option to buy a policy online, so keep that in mind if finding the best price is important.
If you’re anxious about not having professional advice when buying online, don’t sweat it. All companies that allow you to purchase coverage all provide contact methods for getting questions answered. They also offer live chat and online tools to help with the buying process.
Does buying online save money? Many people swear by it, but it’s difficult to answer since companies use quite a few components that impact your rate calculation. It’s logical to say that buying directly from the company saves money by not requiring a commission. For the majority of companies, however, it’s expensive to advertise and that can quickly cost more than paying an agent.
Affordable insurance is out there
Lower-priced auto insurance can be sourced online as well as from independent agents in Stephenville, so you should compare both in order to have the best chance of saving money. There are still a few companies who don’t offer online quoting and these small, regional companies work with independent agents.
Insureds who switch companies do it for many reasons like extreme rates for teen drivers, high prices, unfair underwriting practices and delays in responding to claim requests. It doesn’t matter what your reason, finding a great new company is easier than you think.
Texas insurance information
Even more information is available at the Texas Department of Insurance website. Texas drivers can view a list of available companies, download brochures, and report car insurance fraud.