Comparing car insurance companies in Boerne, TX can be challenging because choosing the right Boerne auto insurance agent takes more work than just making a phone call. Consumers need a decent agent, and also want to find the lowest rates for car insurance in Boerne.
You have multiple auto insurance agents to buy insurance from, and although it’s nice to be able to choose, having more insurance agents makes it harder to compare rates and find the lowest cost car insurance.
Buying car insurance from a local Boerne agent
Good agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of getting online price quotes is you can get better rates and still choose a local agent.
By using this short form, your information is transmitted to participating agents in Boerne who will give you bids for your coverage. You won’t need to visit any agencies as quotes are delivered to the email address you provide. How’s that for easy! You’ll get the best rates and work with a local agent.
Deciding on an insurance agency requires more thought than just the premium amount. These questions are important to ask:
- Is their price quote a firm figure or are their hidden costs?
- Can they give you a list of client referrals?
- Did they already check your driving record and credit reports?
- If you have an accident, will your rates go up?
- Are claims handled at the agent’s location?
Captive agents vs. Independent agents
When finding a good Boerne insurance agent, there are a couple of different agency structures to choose from. Agents can either be independent (non-captive) or captive.
Captive Insurance Agents
Captive agencies can only place business with one company such as State Farm, AAA and Liberty Mutual. These agents are not able to provide prices from multiple companies so they are skilled at selling on more than just price. These agents receive extensive training on their products and sales techniques and that can be a competitive advantage.
Below are Boerne captive insurance agencies that are able to give comparison quotes.
Allstate Insurance – 28604 Ih 10 W # 6 – Boerne, TX 78006 – (830) 981-5155
Farmers Insurance Group – 116 N Plant Ave – Boerne, TX 78006 – (830) 796-4442
Farm Bureau Insurance – 1 Sisterdale Rd – Boerne, TX 78006 – (830) 995-3266
State Farm Insurance – 1221 S Main St # 100 – Boerne, TX 78006 – (830) 249-9505
Independent Insurance Agents
Independent agencies are not locked into one company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, the business is moved internally and that require little work on your part. When searching for an agent, it’s recommended you get quotes from multiple independent agents for maximum quote selection.
Shown below are Boerne independent insurance agencies that are able to give comparison quotes.
Dreiss Insurance – 805 N Main St – Boerne, TX 78006 – (830) 249-3502
Hill Country Insurance – 31320 Ih 10 W – Boerne, TX 78006 – (830) 755-5116
Glick Michael Insurance Agency – 1201 S Main St # 122 – Boerne, TX 78006 – (830) 907-3010
For a complete listing of insurance agents in Boerne, click here to link.
Once you have received reasonable responses to these questions and an acceptable price quote, you may have just found an insurance agency that can insure your vehicles.
Buying direct is an option
Auto insurance agents are important to many people, but you also have the option of buying Texas car insurance from online companies direct. A few companies like Allstate and State Farm that sell primarily through agents also allow you to get quotes and purchase online. This is something to consider.
If you’re uncomfortable with not getting advice from an agent when buying direct, don’t be too concerned. Online companies that allow you to purchase coverage have toll-free phone numbers and other options for answering any questions you have.
Is online auto insurance cheaper? Many people think so, but it’s hard to say for sure since companies use quite a few components that are calculated into your premium. Some people think that shopping direct lowers rates due to not having any agent compensation. In many cases, advertising budgets are huge and that can cost more than having to pay agents.
If the lowest price is important, the best way to know if the cheapest policy comes from an agent or online is to compare price quotes from both. It’s even possible to receive different pricing when using both online and agent quotes from the exact same provider. You won’t know which method provides the best price without quoting coverages each way.
More resources for learning
More detailed Texas car insurance information is available at the Texas Department of Insurance website. Visitors are able to find disaster information, learn about specific coverages, and read consumer alerts.
The best insurance company isn’t always the cheapest
Insureds change insurance companies for a variety of reasons including an unsatisfactory settlement offer, delays in responding to claim requests, being labeled a high risk driver or even lack of trust in their agent. No matter why you want to switch, finding a new car insurance company is pretty easy and you might even save some money in the process.
As you go through the steps to switch your coverage, make sure you don’t sacrifice coverage to reduce premiums. Too many times, someone sacrificed full coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage at the best price.