If you’re trying to find a licensed insurance agent in White Oak, we recommend you start your research by comparing prices online in order to save time. For this article’s sake, it’s assumed you’re wanting a professional agent, but you also want to find the lowest possible price.
With companies like Farmers, Allstate, and independent agents having offices in White Oak, it can be hard to know which provider will provide you with the lowest rates and best service. To help decide, consumers can get insurance quotes online to assemble a group of agencies and thier coverage prices.
Online quotes with a local White Oak insurance agent
Professional agents can help determine the best coverages and give you peace of mind. One of the great benefits of comparing rates online is the fact that you can find lower rates and still choose a local agent. Supporting local agencies is especially important in White Oak.
Once you complete this quick form, your coverage information is sent to insurance agents in White Oak who will give you bids for your business. You won’t need to even leave your home due to the fact that quote results will go immediately to your email address. Now that’s easy!
Independent or Captive: It’s your choice
When finding a local agent, there are a couple of different agency structures from which to choose. Agents are categorized either captive or independent. While both can do a good job, but it’s worth mentioning the difference between them since it can impact buying decisions.
Independent Agencies or Brokers
Independent agencies do not work for one specific company so they have the ability to put coverage with many different companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part.
When shopping rates, it’s recommended you contact several independent insurance agents for maximum quote selection. They often place coverage with lesser-known insurance companies which may provide better rates.
The following is a list of independent insurance agents in White Oak who can help you get comparison quotes.
- Shipman Insurance – 301 W Us Highway 80 – White Oak, TX 75693 – (903) 297-4456
- American National Insurance Co – 303 W Us Highway 80 – White Oak, TX 75693 – (903) 297-3808
Captive Agents
Captive insurance agents can only write with one company such as Allstate, State Farm and Farmers Insurance. These agents are unable to provide prices from multiple companies so they have to upsell other benefits. Captive agents are very knowledgeable on their company’s products which can be an advantage. Consumers often choose to use a captive agent mainly due to the brand legacy and the convenience of having all coverages with one company.
Listed below is a short list of captive insurance agencies in White Oak that can give you price quotes.
- Allstate Insurance – 303 W Us Highway 80 – White Oak, TX 75693 – (903) 295-0096
To view a complete directory of White Oak captive insurance agencies, please click here.
Deciding on an auto insurance agent needs to be determined by more than just a low price. Any agent should have no problem answering these questions:
- Is the agency involved in supporting local community causes?
- What insurance companies do they recommend if they are an independent agent?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How long have they worked with personal auto insurance coverage?
- Are they properly licensed to sell insurance in Texas?
Once you have positive responses to all your questions and an acceptable price quote, you’ve probably found an insurance agency that meets your needs to service your policy.
Buying direct is an option
Professional insurance agents are important to many people, but you also have the option of buying direct from companies online. A few companies like Allstate and State Farm that are more known for using agents, also allow you to buy direct on their websites, so that should be considered and can also potentially find you lower rates.
If you’re uncomfortable with not having someone to ask questions when buying car insurance direct, this really isn’t an issue. Auto insurance companies provide phone numbers and online resources you can use to get advice on coverages. Additionally, most companies also offer 24/7 live help and a car insurance FAQ section to help you make a buying decision.
Will auto insurance cost less online? That question is hard to answer since there are so many factors that determine the price you pay. Some people will tell you that a consumer who buys direct prevents the agent from taking a cut. For the majority of companies, however, it’s expensive to advertise so rates may not be all that different from traditional agents.
More consumer information in Texas
More information is located on the Texas Department of Insurance website located here. Texas drivers can read consumer alerts, download brochures, file complaints about a company, and find out which companies have the most complaints.
Keep this in mind
Cheaper car insurance is possible online in addition to many White Oak insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not provide you the ability to get quotes online and these small insurance companies work with independent agents.
When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. Too many times, an accident victim reduced physical damage coverage only to regret at claim time they didn’t purchase enough coverage. The aim is to buy enough coverage at an affordable rate, not the least amount of coverage.