Comparing car insurance rates in Colorado City can be a lot of work since choosing the right Colorado City auto insurance agent is harder than just randomly choosing from the yellow pages. Consumers need a friendly agent, but also the lowest rates in Colorado City.
Many insurance agencies compete for your business, so it’s not easy to compare every insurance agency to get the best price available.
Quote online but still have a local agent
Licensed agents can help determine the best coverages and give you someone to call. The best thing about comparing insurance prices online is that you can obtain the best rates and still have an agent to talk to.
After completing this short form, the quote information is immediately sent to local insurance agents in Colorado City who will give you bids for your insurance coverage. You don’t have to visit any agencies since price quotes are sent straight to your inbox. It doesn’t get any easier! You’ll get the best rates AND a local agent.
Deciding on an insurance agency needs to be determined by more than just the price. Ask your prospective agent these questions:
- Does the agency provide any after hours assistance?
- How many years of experience in personal lines insurance coverages do they have?
- Does the agency support the community they serve?
- What insurance companies do they work with?
- Do they receive special compensation for putting your coverage with one company over another?
- Do they have any clout with companies to ensure a fair claim settlement?
- Are they full-time agents?
- Are they properly licensed to sell insurance in Texas?
Captive or Independent: There is a difference
When searching for a local agent, there are two different types of agents that you can select. Agents are classified as either independent (non-captive) or captive.
Captive Insurance Agents
Captive agents work for only one company such as Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to provide prices from multiple companies so they are skilled at selling on more than just price. Captive agents are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents.
Shown below is a list of captive insurance agencies in Colorado City that are able to give price quotes.
State Farm Insurance – 137 W 2nd St – Colorado City, TX 79512 – (325) 728-3062
Independent Agents (or Brokers)
Independent agents are not required to write business for one company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part. When shopping rates, it’s recommended you get quotes from at a minimum one independent agency to get the best comparison.
The following is a short list of independent agents in Colorado City who can help you get price quotes.
Ratliff Insurance – 152 Walnut St – Colorado City, TX 79512 – (325) 728-5371
First Service Insurance – 247 Walnut St – Colorado City, TX 79512 – (325) 728-3401
For a full directory of insurance agents in Colorado City, please go to this site.
Once you have good answers for all questions you ask and an acceptable price quote, most likely you have located an insurance agency that can adequately provide car insurance.
Isn’t it cheaper to buy from online companies like GEICO?
Auto insurance agents serve a purpose, but you can also buy Texas car insurance direct over the internet. A few companies who employ agents also give you the ability to buy direct on their websites, and that can save time if finding the best price is important.
If you’re uncomfortable with not getting proper coverage when buying online, that is quite common when buying online the first time. Online car insurance companies provide access to licensed agents that you can contact for information.
Is it cheaper to buy online? It’s difficult to provide an answer since there are many things which can raise or lower premium rates. Some people think that a shopper who purchases direct reduces premiums because there is no agent. But the reality is advertising budgets are huge so the lack of a commission may be a wash.
To learn more about car insurance in Texas
More detailed Texas car insurance information can be found at the Texas Department of Insurance website. Texas consumers can find a variety of consumer forms, read state legal mandates and laws, read industry bulletins, and report car insurance fraud.
Smart shoppers get results
Cost effective car insurance can be bought online in addition to many Colorado City insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.
When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice collision coverage and found out when filing a claim that they should have had better coverage. The ultimate goal is to find the BEST coverage for the lowest price while not skimping on critical coverages.