Comparing auto insurance rates in Clyde can be a lot of work since there are a lot of options and selecting the best Clyde insurance agent for your needs is more difficult than just driving to the closest agent’s office. For the sake of this article, we’ll assume you not only want a good agent, but you also want the best rates possible.
With companies like State Farm, Allstate and many independent agents all competing for business in Clyde, it’s difficult to determine which provider will have the best rates, service and coverage. Thankfully, consumers can use online quoting to assemble a group of insurance agents and thier coverage prices.
Save time by quoting online
Licensed agents are trained to spot inefficiencies and help you file claims. The best thing about getting online price quotes is you can get lower rates and still choose a local agent. And providing support for local insurance agencies is important particularly in Clyde.
After filling out this short form, the quote information is emailed to local insurance agents who will return price quotes to get your business. There is no need to even leave your home due to the fact that quote results will go immediately to your email address. How cool is that?! It’s the lowest rates and work with a local agent.
Different types of Clyde car insurance agents
When researching a good Clyde insurance agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Insurance agencies in Clyde are categorized either independent (non-captive) or captive.
Independent Insurance Agents
Independent insurance agents do not work for one specific company but rather can write business with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies.
When comparing rates, it’s a good idea to get quotes from multiple independent agents to have the most options to choose from. Most have the option of insuring with different regional companies which can save you money.
Shown below is a short list of independent agents in Clyde that may be able to provide comparison quotes.
- Bill Faircloth Insurance – 216 Oak St # A – Clyde, TX 79510 – (325) 893-5116
- Trinity Universal Insurance Co – 10527 County Road 234 – Clyde, TX 79510 – (325) 529-4134
Captive Insurance Agents
These agents can only place business with one company and some examples include AAA, Allstate and State Farm. They generally cannot place coverage with different providers so always compare other rates. They are very knowledgeable on their company’s products and that can be a competitive advantage. Consumers often buy from captive agents mostly because of the brand legacy and the convenience of having all coverages with one company.
Picking an auto insurance agent requires more thought than just the premium amount. Any agent should have no problem answering these questions:
- Do they make recommendations based only on price?
- Do they have any clout with companies to ensure a fair claim settlement?
- Are claim adjusters local or do you have to take your car somewhere else?
- If your car is in the repair shop, do you have coverage for a rental car?
- How are claims handled?
- Are there any discounts that you might be missing?
Upon receiving satisfactory answers to all your questions and locked in a price quote, you’ve probably found a car insurance agent that is a good match to properly service your auto insurance policy.
Don’t exclude online companies
Licensed agents serve a purpose, but Texas consumers also have the option to buy direct over the internet. Some specific companies that sell primarily through agents also permit you to buy direct online, so keep that in mind if you are the do-it-yourself type.
If you’re apprehensive about choosing your own coverages, that shouldn’t be an issue. All companies that allow you to purchase coverage provide phone numbers and online resources for getting questions answered.
Can you save money buying online? That question is hard to answer since there are many things that influence how your policy is priced. It’s a logical assumption that shopping direct saves money because there is no agent involvement. For most online online companies, however, promoting brand recognition is pricey so this can offset any savings.
More information is available on the Texas Department of Insurance website located here. Consumers can read consumer alerts, read state legal mandates and laws, and learn about specific coverages.
Cheaper insurance is a realistic goal
People who switch companies do it for a number of reasons such as poor customer service, high prices, being labeled a high risk driver or unfair underwriting practices. Whatever your reason, finding the right auto insurance provider is easier than you think.
The cheapest auto insurance is attainable online as well as from independent agents in Clyde, and you need to price shop both in order to have the best chance of saving money. Some insurance providers don’t offer online price quotes and these smaller companies work with independent agents.