When shopping for car insurance, you have many choices and selecting the best Palestine auto insurance agent for your needs is harder than just driving to the closest agent’s office. You require a good professional insurance agent, and also the cheapest rates you can possibly find.
Because there are so many options when it comes to car insurance, it can be impossible to pick the lowest price car insurance company.
Online price comparisons from Palestine agents
Professional agents can point out coverage gaps and help submit paperwork. One of the great benefits of price shopping on the web is the fact that you can find better rates but also keep your business local.
Once you complete this simple form, your insurance data is instantly submitted to participating agents in Palestine who will give you bids for your insurance coverage. You never need to even leave your home since price quotes are sent to your email. It doesn’t get any easier!
Deciding on an auto insurance agent needs to be determined by more than just a cheap price. Agents should be asked these questions:
- Are you getting all the discounts the company offers?
- Will your rates increase after a single accident?
- Do they make recommendations based only on price?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they carry Errors and Omissions coverage?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How are they compensated?
Choose an insurance agent wisely
If you’re trying to find a local agent, there are a couple of types of insurance agents to choose from. Insurance agencies in Palestine can either be captive or independent (non-captive). Both do a good job, but it’s worth learning how they are different because it can influence buying decisions.
Captive Insurance Agents
These agents can only place business with one company such as American Family, State Farm and Allstate. They are unable to provide prices from multiple companies so they have no alternatives for high prices. Captives receive extensive training on the products they sell which helps them compete with independent agents. Consumers often choose to use a captive agent partially due to the prominence of the brand and the convenience of having a single billing for all their coverages.
Below are captive agencies in Palestine who can help you get price quotes.
- State Farm Insurance – 1735 Crockett Rd – Palestine, TX 75801 – (903) 729-3222
- Farm Bureau Insurance – 6000 N Loop 256 – Palestine, TX 75801 – (903) 729-3183
- Farmers Insurance Group – 3507 W Oak St – Palestine, TX 75801 – (903) 729-2792
- Allstate Insurance – 716 N Church St – Palestine, TX 75801 – (903) 727-0558
Independent Agents
Independent agencies do not work for one specific company but instead can place your coverage with lots of companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to find a new agent.
When comparing rates, you should always contact multiple independent agents to have the most options to choose from.Many can place coverage with lesser-known insurance companies who may have lower rates.
Below is a list of independent insurance agents in Palestine who can help you get rate quotes.
- Brown and Mc Cann Insurance – 105 An County Road 145 – Palestine, TX 75801 – (903) 731-4671
- Kenderdine Agency Inc – 103 E Oak St – Palestine, TX 75801 – (903) 729-2225
- Malloy Group Insurance Svc – 708 Range Rd – Palestine, TX 75801 – (903) 729-4823
To view a complete directory of Palestine insurance agents, please view this page.
After receiving good answers to your questions and a good coverage price, it’s possible that you found an auto insurance agent that is a good match to provide car insurance coverage.
Does buying direct online get me lower rates?
Insurance agencies serve a purpose, but you also have the option of buying from companies direct over the internet. Some companies that sell primarily through agents also let you buy a policy online. This is something to consider if you prefer to buy online.
If you’re concerned about not having an agent to talk to, that is normal but is not a big issue. Auto insurance companies have toll-free phone numbers and other options you can use to get advice on coverages.
Will buying online save you money? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there may be dozens of rate factors that influence the price you pay. It’s a logical assumption that purchasing direct online prevents the agent from taking a cut. For the majority of companies, however, advertising budgets are huge so the lack of a commission may be a wash.
Additional consumer information websites
More tips and info about car insurance can be read at the Texas Department of Insurance website. Texas consumers can download brochures, get help finding coverage, and file complaints about a company.
Other useful links include this page for car insurance prices in Texas and this link which helps you find a Palestine agent.
Cheaper insurance is a realistic goal
As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed uninsured motorist or liability limits and learned later that it was a big mistake. Your strategy should be to buy enough coverage for the lowest price, not the least amount of coverage.
Budget-conscious car insurance is possible from both online companies and also from your neighborhood Palestine agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who may not provide the ability to get a quote online and these smaller companies work with independent agents.