When shopping for car insurance, you have many choices and picking a good Texas insurance agency is not as easy as just using the same auto insurance agent as your neighbor. You need a highly trained agent, and also want to find the best possible price.
Companies like Allstate, Progressive and GEICO all promote huge savings with ads and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.
Car Insurance through a local Krum agent
Educated insurance agents can point out coverage gaps and help in the event of a claim. One of the great benefits of getting online price quotes is the fact that you can find lower rates and still have an agent to talk to.
Upon completion of this quick form, your coverage information is transmitted to local insurance agents who will return price quotes for your business. You don’t have to even leave your home since price quotes are sent immediately to your email address. Now that’s easy! You’ll get the best rates AND a local agent.
Picking a car insurance agent needs to be determined by more than just the price. Some important questions to ask are:
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Are claims handled at the agent’s location?
- Do they specialize in personal lines coverage?
- Do the coverages you’re quoting properly cover your vehicle?
- How many years of experience in personal lines insurance coverages do they have?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Two different types of insurance agencies
When researching a reliable agent, you must know there are a couple different types of agents to choose from. Krum agents are classified as either captive or independent (non-captive).
Captive Insurance Agents
Captive insurance agents work for only one company and some examples include State Farm, AAA and Liberty Mutual. Captives cannot place coverage with different providers so always compare other rates. Captives are very knowledgeable on their company’s products which helps them compete with independent agents.
Independent Agents
Independent insurance agents are not locked into one company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part.
When searching for an agent, it’s recommended you contact at least one independent agent to ensure the widest selection of prices.
Shown below are independent agencies in Krum who can help you get price quotes.
Patton Insurance – 126 W Mccart St – Krum, TX 76249 – (940) 482-9707
F and M Insurance – 146 W Mccart St – Krum, TX 76249 – (940) 482-3092
To view a full list of insurance agents in Krum, click here to link.
Once you have positive feedback for all questions you ask in addition to an acceptable price estimate, it’s possible that you found an insurance agency that will properly service your car insurance policy.
Buying auto insurance direct is an option
Licensed agents are perfect for certain consumers, but you also have the option of buying direct over the internet. A few companies like State Farm and Allstate who employ agents also give you the option to get quotes and purchase online, and online price comparisons are easy if finding the best price is important.
If you’re uncomfortable with not having an insurance agent’s advice when buying direct, this is expected but don’t let that bother you. All companies that require consumers to choose their own coverages provide access to licensed agents to walk you through the process. They also make available anytime access to help and a customer research section to clarify any questions you may have.
Is pricing better online? That question is hard to answer because there are a lot of things that impact your premium. Common sense would say that buying car insurance online prevents the agent from taking a cut. But in reality, there are high advertising and marketing costs and this drives up their premium costs.
Compare but don’t skimp
Cost effective car insurance can be purchased online in addition to many Krum insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.
Insureds change insurance companies for a variety of reasons including policy non-renewal, policy cancellation, lack of trust in their agent or even unfair underwriting practices. It doesn’t matter why you want to switch switching car insurance companies is not as hard as you think.
Additional Texas consumer information
Additional detailed information is available at the Texas Department of Insurance website. Consumers can discover disciplinary actions, read industry bulletins, view a list of available companies, and read state legal mandates and laws.
Other informative sites include III.org’s auto insurance page and this link where you can get more info about Krum coverage.