When trying to find an insurance agent in Pflugerville, TX, you can always start your research by getting online comparison quotes rather than picking up the phone. Consumers need a good professional insurance agent, and also want to find the lowest rates for auto insurance in Pflugerville.
Because there are so many insurance companies to choose from, it can be impossible to find the right insurance company.
Local Pflugerville auto insurance agents
Agents can help determine the best coverages and help you file claims. The biggest benefit of comparing rates online is the fact that you can find the lowest rates and still choose a local agent.
To make it easy to find an agent, after completing this short form, the quote information is submitted to companies in Pflugerville who will battle for your coverage. You never need to drive around as quotes are delivered immediately to your email address. How’s that for easy!
Deciding on an auto insurance agent needs to be determined by more than just the bottom line cost. Here are some questions to ask:
- Can glass repairs be made at your home?
- Does the agency have a good rating with the Better Business Bureau?
- Is vehicle damage repaired with OEM or aftermarket parts?
- How often do they review policy coverages?
- Are claim adjusters local or do you have to take your car somewhere else?
- How long has their agency been in business in Pflugerville?
- Is their price quote a firm figure or are their hidden costs?
- Do they make recommendations based only on price?
Two types of car insurance agents
When finding an insurance agent, there are a couple of different agency structures that differ in how they can insure your vehicles. Insurance agencies in Pflugerville can either be captive or independent. While both can properly insure your vehicles, but it’s worth mentioning the differences because it can influence the selection process.
Captive Insurance Agents
Captive insurance agents have only one company to place business with such as Allstate, Farmers Insurance, State Farm and AAA. Captives cannot provide prices from multiple companies so always compare other rates. Captives receive extensive training on the products they sell and that can be a competitive advantage. Some people will only choose to use a captive agent primarily because of the prominence of the brand and the convenience of having all coverages with one company.
The following are captive insurance agents in Pflugerville that can give you price quotes.
- State Farm Insurance – 15301 I H 35 # H – Pflugerville, TX 78660 – (512) 251-7787
- Allstate Insurance – 15901 Central Commerce Dr #101 – Pflugerville, TX 78660 – (512) 252-2915
Independent Agents (or Brokers)
Independent agencies are not required to write business for one company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent.
When comparing rates, you should always include at least one independent agent to ensure the widest selection of prices. They often place coverage with different regional companies who may have lower rates.
Shown below are independent insurance agents in Pflugerville willing to provide price quote information.
- Charles Eiben Insurance – 15901 Central Commerce Dr – Pflugerville, TX 78660 – (512) 989-0285
- Pflugerville Insurance – 103 E Main St – Pflugerville, TX 78660 – (512) 251-4137
To view a full list of insurance agents in Pflugerville, please view this page.
Once you have received satisfactory answers to your questions and a good coverage price, you have narrowed it down to an insurance agent that meets your needs to service your policy.
Do online insurance companies cost less?
Local insurance agents can be invaluable at times, but Texas drivers can also buy direct over the internet. Some specific companies, such as State Farm, Allstate and Farmers, that are more known for using agents, additionally provide the ability to buy online, and online price comparisons are easy if you don’t want to take the time to contact agents.
If you’re apprehensive about not having an agent to talk to, this is normal but is quickly overcome. Car insurance companies give you access to trained agents for customer questions.
If you just want to find lower premiums, the most effective way to determine if prices are better online or from an agent is comparing prices for both of them. It’s possible to get different rates from the exact same provider when they get quotes from both. But you can’t find out which way will be cheaper until you actually compare rates both ways.
Does coverage cost less online? It’s difficult to say for sure since companies use quite a few components that determine your policy premium. You may think that going direct reduces premiums because there is no agent. But that assumption is generally incorrect because marketing expenses are significant so the lack of a commission may be a wash.
Additional resources for Texas consumers
More tips and info about auto insurance is located at the Texas Department of Insurance website. Consumers can read state legal mandates and laws, download brochures, and find disaster information.
Also read more on this page for Texas auto insurance and this list of agents in Pflugerville, TX.
Best coverage at the best price
As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. There are too many instances where an insured dropped liability limits or collision coverage and discovered at claim time that the savings was not a smart move. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.
People who switch companies do it for a variety of reasons including policy cancellation, poor customer service, high rates after DUI convictions and even policy non-renewal. Regardless of your reason, finding a great new company can be less work than you think.