If you’re looking for a licensed insurance agent in Dimmitt, we recommend you start your search by comparing prices online instead of calling around. Consumers require a good agent, and also want to find the best possible price.
Many car insurance agents vie for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best price available.
Price shop online but buy from a local Dimmitt agent
Educated insurance agents are trained to spot inefficiencies and help in the event of a claim. The biggest benefit of comparing rates online is you can get better rates and still have an agent to talk to.
To help locate an agent, after submitting this form (opens in new window), your coverage information is emailed to insurance agents in Dimmitt who will battle for your coverage. There is no need to leave your computer as quotes are delivered to your email. How cool is that?!
Choosing an insurance agent shouldn’t rely on just a low price. Any agent should have no problem answering these questions:
- Does the agent have professional designations like CIC, CPCU or AIC?
- If you have an accident, will your rates go up?
- Is vehicle mileage a factor when determining depreciation for repairs?
- If they are an independent agency, which companies do they recommend?
- Do they feel the quoted coverages are adequate?
- What will you get paid if your car is a total loss? How is that amount determined?
What type of Dimmitt auto insurance agent is right for you?
When finding a reliable agent, there are two different agency structures that differ in how they can insure your vehicles. Dimmitt agents are either captive or independent (non-captive). Either one can insure your vehicles, but it’s good to learn the differences because it can influence your agent selection.
Captive Insurance Agents
Captive agents are contracted to one company and examples are Allstate, Farmers Insurance, State Farm and AAA. They are unable to shop your coverage around so keep that in mind. Captive agencies are well schooled on their company’s products which can be an advantage.
Listed below is a list of captive insurance agents in Dimmitt who may provide you with rate quotes.
Allstate Insurance Co – Hwy 385 N – Dimmitt, TX 79027 – (806) 647-4247
Independent Agents (or Brokers)
These agents are not employed by any specific company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency. When comparison shopping, you should always include several independent insurance agents for maximum quote selection.
The following are Dimmitt independent agents that can give you comparison quotes.
Hays Insurance – 609 W Lee St – Dimmitt, TX 79027 – (806) 647-1140
Pebsworth Insurance – 315 S Broadway St – Dimmitt, TX 79027 – (806) 647-5244
For a complete listing of insurance agents in Dimmitt, please click here.
After getting positive responses to your questions and an acceptable price quote, most likely you have located an insurance agent that is a good match to insure your vehicles.
Online car insurance companies
Local insurance agents are indespensible for some people, but you can also find affordable Texas auto insurance from companies direct over the internet. Certain companies like State Farm and Allstate that are more known for using agents, also let you quote and buy online, so this should also be taken into consideration if you prefer to buy online.
If you’re uncomfortable with whether or not you’ll have guidance when buying car insurance direct, that is normal but is not a big issue. Insurance companies have customer service departments to answer any questions you may have. Consumers also can use online education and live help anytime to help with the buying process.
Is pricing better online? That question is hard to answer since there may be dozens of rate factors that influence your rates. It’s logical to say that buying car insurance online saves by not paying a commission. But truthfully, there are high advertising and marketing costs and that can quickly cost more than paying an agent.
More detailed Texas car insurance information is located at the Texas Department of Insurance website. Consumers can find disaster information, get help finding coverage, discover disciplinary actions, and file complaints about an insurance agent or broker.
Also read more on Wikipedia and this list of agents in Dimmitt, TX.
More quotes mean more savings
Insureds switch companies for a variety of reasons including policy non-renewal, poor customer service, being labeled a high risk driver or an unsatisfactory settlement offer. It doesn’t matter what your reason, switching car insurance companies is less work than it seems.
Discount car insurance is available from both online companies in addition to many Dimmitt insurance agents, so you should compare both so you have a total pricing picture. Some companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.