To find a good Kyle agent, it’s recommended you do an initial search on the web instead of making phone calls. You need a great agent that can assess your needs, but also need the best possible price.
Big-name insurance companies like State Farm and GEICO all claim big savings with ads and it can be hard to ignore the promise of big savings and effectively compare rates to find the best deal.
Quote online, buy local
Good agents are trained to spot inefficiencies and help you file claims. The best thing about price shopping on the web is you can get better rates and still have an agent to talk to.
To find an agent, once you fill out this simple form, your insurance coverage information is instantly submitted to local insurance agents in Kyle who will compete for your business. You won’t need to drive around as quotes are delivered to your email. How cool is that?!
Deciding on an insurance agent needs to be determined by more than just a cheap price. These are valid questions to ask:
- Are you getting all the discounts the company offers?
- Is their price quote a firm figure or are their hidden costs?
- What will you get paid if your car is a total loss? How is that amount determined?
- Does the agency provide any after hours assistance?
- Can they give you a list of client referrals?
- Can glass repairs be made at your home?
- Are claim adjusters local or do you have to take your car somewhere else?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
The following is a short list of insurance agencies in Kyle that are able to give comparison quotes.
Nationwide Insurance – 118 S Front St, Kyle, TX 78640 – (512) 268-3800
Rucker Ohlendorf Insurance – 103 E Center St, Kyle, TX 78640 – (512) 268-4595
Farmers Insurance Group – 101 N Sledge St, Kyle, TX 78640 – (512) 268-8600
After getting answers to your satisfaction to your questions and a low price estimate, you may have just found an insurance agency that will insure your vehicles.
Is buying direct online an option?
Insurance agents are important, but Texas consumers also have the option to buy from companies direct over the internet. Some car insurance companies like State Farm and Allstate that are more known for using agents, additionally provide the ability to buy a policy online, so that should be considered if you are the do-it-yourself type.
If you’re uneasy about whether or not you’ll have guidance when buying online, that is normal but is not a big issue. Online companies all have client service departments for customer questions. They also have live chat and online tools to make it easier to purchase.
Do online companies provide lower prices? Many people think so, but it’s hard to say for sure due to the fact that there are many factors which can adversely affect your policy premium. It would make sense to think that a consumer who buys direct saves money by not requiring a commission. But that assumption is generally incorrect because the cost of constant advertising is expensive and this tends to eat up any savings.
The best approach to find out who has the best rates, online companies or local insurance agents, is to get rates from both and compare them. It’s not unheard of to actually get different prices returned by the same company from their online quote form as compared to an agent.
Smart consumers save more
Consumers switch companies for a number of reasons such as extreme rates for teen drivers, questionable increases in premium, delays in responding to claim requests and denial of a claim. No matter why you want to switch, finding a new company is actually quite simple.
As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible for the lowest price, not the least amount of coverage.
More tips and info about auto insurance is available at the Texas Department of Insurance website. Consumers can file complaints about a company, get help finding coverage, find out industry alerts, and discover disciplinary actions.