When searching for a good insurance agent in Temple, TX, we recommend you do the preliminary legwork by comparing rates online instead of calling around. You require a great agent that can assess your needs, and also want to find the lowest rates for auto insurance in Temple.
Many car insurance agents vie for your business, and because of this it can be hard to compare auto insurance agents to find the lowest cost out there.
Comparing prices from Temple agents
Educated insurance agents are trained to spot inefficiencies and give you peace of mind. The biggest benefit of getting online price quotes is you can get the lowest rates but still work with a licensed agent.
Upon completion of this quick form, your coverage information gets sent to local insurance agents in Temple who will give you bids for your coverage. There is no reason to even leave your home due to the fact that quote results will go directly to your email. It doesn’t get any easier!
Picking an insurance agent shouldn’t rely on just the price. These questions are important to ask:
- Which members of your family are coverage by the policy?
- How long has their agency been in business in Temple?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Are they properly licensed to sell insurance in Texas?
- Can they provide you with a list of referrals?
Captive and independent Temple auto insurance agents
When searching for a reputable insurance agent or broker, there are two types of agencies to choose from. Insurance agencies in Temple are classified as either captive or independent (non-captive). Both types can write coverage properly, but it’s good to learn how they differ because it can influence your selection of an agent.
Captive Insurance Agents
Captive insurance agents are contracted to one company like Allstate, AAA, Liberty Mutual and State Farm. They usually cannot place coverage with different providers so they are skilled at selling on more than just price. These agents are trained well on the products they sell which can be an advantage.
Listed below are Temple captive agencies that can give you price quote information.
Farm Bureau Insurance – 1341 Marlandwood Rd – Temple, TX 76502 – (254) 778-4741
Allstate Insurance – 2108 W Adams Ave – Temple, TX 76504 – (254) 791-2747
State Farm Insurance – 2810 Oakdale Dr – Temple, TX 76502 – (254) 778-1333
Farmers Insurance Group – 416 Greenview Dr – Temple, TX 76502 – (254) 771-2751
Independent Agencies or Brokers
Independent insurance agents are not locked into one company but instead can place your coverage with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency. When comparison shopping, you should always include at least one independent agent for the best price selection.
Shown below is a list of independent agents in Temple who can help you get comparison quotes.
Ken Spradlin Insurance – 5112 S General Bruce Dr # A – Temple, TX 76502 – (254) 778-5973
David Nix Agency – 2526 Blue Meadow Dr – Temple, TX 76502 – (254) 770-3355
Doug Stewart Insurance – 3411 Market Loop # 102 – Temple, TX 76502 – (254) 778-0516
John Troy Agency – 114 E Upshaw Ave – Temple, TX 76501 – (254) 791-2857
Brian Gowan Agency – 2027 S 61st St # 121 – Temple, TX 76504 – (254) 899-9600
To view a complete directory of auto insurance agents in Temple, visit this link.
Once you have received acceptable answers to these questions and locked in a price quote, most likely you have located an auto insurance agent that meets your needs to insure your vehicles.
Keep your options open
Professional insurance agents are perfect for certain consumers, but you can also find affordable Texas auto insurance direct from companies that only sell online. Some companies like Allstate and State Farm who sell through agents in Temple additionally provide the ability to buy online. This is something to consider if you are the do-it-yourself type.
If you’re anxious about choosing your own coverages, this is a normal reaction for first-time shoppers. Companies have customer service departments for getting questions answered. Consumers also can use online help and live chat to help you make a buying decision.
Is car insurance cheaper online? The answer to that question is complicated due to the large number of individual components that influence how your policy is priced. It’s a logical assumption that a shopper who purchases direct saves the commission normally paid to an agent. But truthfully, there are very high advertising costs and those expenses can offset most of the savings by selling direct.
Better coverage you can count on
While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. In many instances, an insured dropped physical damage coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at the best price.
Affordable auto insurance can be purchased from both online companies and also from your neighborhood Temple agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not provide online price quotes and these small insurance companies work with independent agents.
Even more information is available at the Texas Department of Insurance website. Visitors are able to discover disciplinary actions, view a list of available companies, and download brochures.
Also read more on NAIC.org’s Understanding your Policy and this link which helps you find a Temple agent.