When searching for a good Bryan agent, it’s recommended you start your search by comparing rates online in order to save time. We’re guessing that not only do you want a competent insurance agent, but you also want to find great rates as well.
With companies like independent agents, Allstate and State Farm having local Bryan offices, consumers have a hard time knowing which auto insurance agent will provide you with the lowest rates and best service. To help decide, you can use insurance quotes online to assemble a group of insurance agencies from which to choose.
Working with a local agent
Good agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of comparing rates online is you may find the lowest rates and still have an agent to talk to. And providing support for small agencies is important particularly in Bryan.
To help locate an agent, after submitting this short form, your insurance data is immediately sent to agents in your area who will battle to get your business. There is no need to leave your house as quotes are delivered straight to your inbox. How’s that for easy! You can find better rates without the usual hassles of price shopping.
Captive agents vs. Independent agents
When finding a good insurance agency, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agencies in Bryan are either independent or captive.
Independent Agents (or Brokers)
These agents are not employed by any specific company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part. When searching for an agent, it’s recommended you get quotes from multiple independent agents to ensure the widest selection of prices.
Listed below are Bryan independent agencies who can help you get pricing information.
Central Texas Insurance – 3803 Old College Rd – Bryan, TX 77801 – (979) 260-0500
Tom Hanson Insurance – 3400 S College Ave – Bryan, TX 77801 – (979) 823-8051
A D S Insurance Agency – 3412 E 29th St – Bryan, TX 77802 – (979) 846-7376
Captive Agents
Captive agencies can only place business with one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. Captive agencies receive extensive training on their company’s products which helps them compete with independent agents.
The following are Bryan captive agencies willing to provide rate quotes.
Farmers Insurance Group – 2219 Booneville Rd – Bryan, TX 77802 – (979) 774-5669
State Farm Insurance – 1737 Briarcrest Dr # 11 – Bryan, TX 77802 – (979) 776-1300
Allstate Insurance – 110 E Villa Maria Rd # B – Bryan, TX 77801 – (979) 823-3759
Southern Farm Bureau Casualty – – Bryan, TX 77802 – (979) 260-2011
For a complete listing of captive insurance agencies in Bryan, visit this site.
Choosing an insurance agency shouldn’t rely on just the premium amount. These are valid questions to ask:
- Are claims handled at the agent’s location?
- How are they compensated?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- How long has their agency been in business in Bryan?
Upon getting answers to your satisfaction to all your questions in addition to an acceptable price estimate, you may have just found an auto insurance agent that meets your needs to service your policy.
Can I save by cutting out the agent?
Licensed agents are indespensible for some people, but you can also find affordable Texas auto insurance direct online. Some specific companies that are more known for using agents, also allow consumers to get a quote and buy online, so this should also be taken into consideration.
If you’re uncomfortable with not having someone to ask questions, that is quite common when buying online the first time. Car insurance companies all provide contact methods that you can contact for information.
Is it cheaper to buy car insurance online? It’s difficult to say for sure because there are a lot of things that impact your rate calculation. Some people think that buying online cuts out the middleman. For the majority of companies, however, it’s expensive to advertise so the lack of a commission may be a wash.
When trying to find the best rates, the only way to determine if the cheapest policy comes from an agent or online is to get free quotes from both and compare them. It’s possible to get different rates when getting a price from both an agent and online from the SAME company.
The best insurance company isn’t always the cheapest
Drivers change insurance companies for a number of reasons such as questionable increases in premium, not issuing a premium refund, denial of a claim and even high rates after DUI convictions. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.
When shopping online for auto insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, someone sacrificed liability coverage limits and learned later they didn’t have enough coverage. Your strategy should be to buy the best coverage you can find at the best price while not skimping on critical coverages.
Additional reading for auto insurance information
Additional information is located on the website for the Texas Department of Insurance found here. Consumers can view a list of available companies, discover disciplinary actions, and read enforcement actions against agents and companies.