If you’re looking to buy car insurance, finding the best Texas car insurance agent is more difficult than just using the same insurance agency as your neighbor. Consumers need a professional licensed agent, but also the best car insurance prices in Amarillo.
Many auto insurance agents compete for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best price available.
How to find Amarillo insurance agents online
Agents can answer important questions and help you file claims. The best thing about comparing insurance prices online is the fact that you can find better rates and still have an agent to talk to.
Once you complete this short form, your insurance coverage information is transmitted to local insurance agents who will give you bids for your insurance coverage. You don’t have to visit any agencies because quoted prices will be sent to the email address you provide. How cool is that?! Get lower rates AND a local agent.
Picking an insurance agent should depend on more than just the price. These questions are important to ask:
- Are they full-time agents?
- How long have they worked with personal auto insurance coverage?
- Do they regularly work with personal auto policies?
- Are claims handled at the agent’s location?
- Can they provide you with a list of referrals?
Multiple types of car insurance agents in Amarillo
When researching a local agent, you need to know there are two types of insurance agents from which to choose. Agents are either captive or independent (non-captive).
Captive Insurance Agents
Captive agents can only write with one company and some examples include State Farm, Allstate and AAA. They are unable to provide prices from multiple companies so it’s a take it or leave it situation. Captive agents are trained well in insurance sales which can be an advantage.
The following is a short list of captive agents in Amarillo who can help you get price quote information.
Farmers Insurance Group – 4100 Business Park Dr – Amarillo, TX 79110 – (806) 359-0476
Farm Bureau Insurance – 4021 W 50th Ave – Amarillo, TX 79109 – (806) 358-0077
Allstate Insurance – 3440 Bell St # 306 – Amarillo, TX 79109 – (806) 358-0511
State Farm Insurance – 5747 W Amarillo Blvd # 600 – Amarillo, TX 79106 – (806) 353-2299
Independent Agents
Independent agencies are not required to write business for one company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. 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 shopping rates, we recommend you include at least one independent agent to have the most options to choose from.
Below are independent agents in Amarillo that can give you rate quotes.
Dwayne Herring Agency – 7116 W Interstate 40 # A – Amarillo, TX 79106 – (806) 355-6596
Sanford Insurance – 107 Arch Ter – Amarillo, TX 79106 – (806) 457-1771
Harris Agency – 1220 S Georgia St # F – Amarillo, TX 79102 – (806) 372-9100
Graham Insurance Agency – 101 W 5th Ave – Amarillo, TX 79101 – (806) 372-2965
Graham Insurance Agency – 101 W 5th Ave – Amarillo, TX 79101 – (806) 372-2965
To view a complete directory of insurance agents in Amarillo, view this link.
Once you have received reasonable responses to all your questions and a low price estimate, you may have just found a car insurance agent that meets your needs to properly service your car insurance policy.
You have the option to buy car insurance direct online
Auto insurance agents are important, but you can also find affordable Texas auto insurance directly from online companies. Some companies, such as Farmers Insurance and State Farm, who employ agents also permit you to buy online, so keep that in mind if the lowest rate is your goal.
If you’re uneasy about choosing your own coverages when buying car insurance direct, don’t let it bother you. Auto insurance companies provide options for answering any questions you have.
Is it cheaper to buy car insurance online? It’s hard to say exactly because of the fact that insurance companies use many factors that can increase policy rates. Common sense would say that buying direct saves the cost of an agent commission. But the fact is, advertising and marketing take a lot of money and this drives up their premium costs.
The only method to determine if local insurance agents or online providers are cheaper is to compare price quotes from both. Even though it sounds odd, people frequently get different pricing when getting a price from both an agent and online from the exact same provider.
Informative consumer insurance sites
More detailed Texas car insurance information can be found at the Texas Department of Insurance website. Texas consumers can learn about specific coverages, find a variety of consumer forms, view agent and company licensing information, and file complaints about a company.
Smart consumers save more
Insureds switch companies for any number of reasons including questionable increases in premium, policy non-renewal, denial of a claim or even poor customer service. It doesn’t matter what your reason, switching car insurance companies can be easy and end up saving you some money.
When buying insurance coverage, never reduce needed coverages to save money. Too many times, someone dropped physical damage coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at the best price.