Comparing auto insurance rates in Princeton can be a lot of work since choosing the right Princeton auto insurance agent takes more work than just calling the closest agent. It’s highly likely you’re not only searching for a professional licensed agent, but you also want the lowest possible price.
With insurance companies like American Family, Allstate, State Farm and independent agents having local Princeton offices, it’s difficult to determine which auto insurance agent will provide the best service and rates. Fortunately, you can use online price quotes to build a list of insurance agencies from which to choose.
Princeton agents and online quotes
Agents can point out coverage gaps and give you peace of mind. One of the best bonuses of price shopping on the web is the fact that you can find lower rates and still have an agent to talk to. And providing support for small agencies is important particularly in Princeton.
For easy comparison, once you complete this quick form, your insurance data is emailed to companies in Princeton who will give you bids for your coverage. You don’t have to even leave your home since price quotes are sent to your email. How cool is that?!
Princeton insurance agents come in two flavors
When searching for a good Princeton insurance agent, you need to know there are two types of agencies to choose from. Agencies in Princeton are classified as either captive or independent (non-captive). While both can insure your vehicles, but it’s worth mentioning how they are different since it may influence the selection process.
Independent Agents
Independent agencies do not work for one specific company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent. When comparison shopping, it’s a good idea to get quotes from at a minimum one independent agency for the best price selection.
Shown below are independent agents in Princeton who may be able to give you price quote information.
Mc Guire Insurance – 112 W Princeton Dr – Princeton, TX 75407 – (972) 736-1003
Captive Insurance Agents
Captive insurance agents are contracted to one company like AAA, State Farm, Farmers Insurance and Allstate. They usually cannot provide prices from multiple companies so they have to upsell other benefits. Captive agencies are very knowledgeable in insurance sales which helps them sell insurance even at higher premiums.
Below is a short list of captive agencies in Princeton that can give you price quotes.
Allstate Insurance – 404 E Princeton Dr – Princeton, TX 75407 – (972) 736-6274
For a complete listing of captive insurance agents in Princeton, please click here.
Deciding on an insurance agency requires more thought than just the price. Some important questions to ask are:
- Do the companies they represent have a solid financial rating?
- Does the company allow you to choose your own collision repair facility?
- What will you get paid if your car is a total loss? How is that amount determined?
- Does the agency support the community they serve?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Did they already check your driving record and credit reports?
- Do the coverages you’re quoting properly cover your vehicle?
After getting acceptable answers to all your questions and a good coverage price, it’s possible that you found an auto insurance agent that is a good match to service your policy.
Aren’t online-only companies cheaper?
Local insurance agents are a valuable resource, but you can also find affordable Texas auto insurance from online companies direct. Certain auto insurance companies who sell through the agent channel also permit you to buy direct on their websites, and online price comparisons are easy and can also potentially find you lower rates.
If you’re uncomfortable with not having an agent to talk to, don’t be too concerned. Auto insurance companies all have toll-free customer service for customer questions.
Are online rates lower? The answer is complex because there are a lot of things which can adversely affect your policy premium. It’s a common assumption that buying direct saves the commission normally paid to an agent. For the majority of companies, however, there are very high advertising costs so the rates may be similar to buying from an agent.
If the lowest price is important, the best way to know if the best rates are online or from local agents is making fair comparisons of each of their rates. It’s even possible to receive different pricing returned by the same company when comparing online quotes to a quote from an agent. But it’s difficult to know whether online or agents have the lower rates until you actually compare rates from both ways.
Better coverage you can count on
Drivers change insurance companies for a variety of reasons including being labeled a high risk driver, policy non-renewal, high rates after DUI convictions and even poor customer service. Whatever your reason, finding a great new company is not as hard as you think.
When buying insurance coverage, make sure you don’t buy poor coverage just to save money. There have been many situations where someone sacrificed liability coverage limits to discover at claim time they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.
Additional Texas car insurance resources
Additional information is available on the website for the Texas Department of Insurance. Click here for link. Visitors are able to get help finding coverage, read enforcement actions against agents and companies, and report car insurance fraud.
Other useful links include this online resource for free quotes in Texas and this resource to find Princeton, TX insurance agents.