If you’re looking for an insurance agent in Odessa, TX, you can always begin your search using online quotes to save yourself time. You require a highly trained agent, but also competitive auto insurance rates.
With so many insurance providers from which to choose, it can be impossible to choose the cheapest car insurance company.
Local Odessa agents and auto insurance
Agents are trained to spot inefficiencies and help you file claims. The biggest benefit of getting online price quotes is that you can obtain lower rates and still choose a local agent.
For easy comparison, once you complete this form (opens in new window), the quote information is transmitted to participating agents in Odessa who will compete for your coverage. There is no reason to leave your house because quoted prices will be sent to your email. It doesn’t get any easier!
Selecting an insurance agent should depend on more than just the bottom line cost. These questions are important to ask:
- Do the coverages you’re quoting properly cover your vehicle?
- Do they specialize in personal lines coverage?
- How are claims handled?
- Do they have any clout with companies to ensure a fair claim settlement?
- Who is covered by the car insurance policy?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is working in the agency their full-time job?
The different types of insurance agents
When researching a local agent, you need to know there are two types of insurance agents that you can select. Agents can either be captive or independent. Both types can write coverage properly, but it’s good to learn the difference between them because it can influence the type of agent you choose
Captive Insurance Agents
Captive insurance agents can only write with one company like Allstate, Farmers Insurance, State Farm and AAA. Captives cannot compare other company’s rates so they are skilled at selling on more than just price. They receive extensive training on the products they sell which helps them compete with independent agents. Some consumers prefer to choose to use a captive agent partially due to loyalty to the company and the convenience of having all coverages with one company.
Listed below is a list of captive agents in Odessa who can help you get comparison quotes.
- Allstate Insurance Companies – 2651 John Ben Shepperd Pkwy – Odessa, TX 79761 – (432) 366-2886
- State Farm Insurance – 5050 E University Blvd – Odessa, TX 79762 – (432) 552-7878
- Farmers Insurance Group – 1500 N Grandview Ave – Odessa, TX 79761 – (432) 272-2485
Independent Insurance Agents
Independent agencies are not required to write business for one company but rather can write business with any number of different companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent. When comparison shopping, it’s recommended you include several independent insurance agents to get the best comparison.Many can place coverage with smaller regional carriers which can be an advantage.
Listed below are independent insurance agents in Odessa who can help you get rate quotes.
- Robert Sadler Insurance – 4013 Ben Shepperd Pkwy – Odessa, TX 79762 – (432) 362-0281
- Houston Copeland Agency – 2240 E 52nd St – Odessa, TX 79762 – (432) 366-8888
- Vince Vines Insurance – 3803 E 52nd St – Odessa, TX 79762 – (432) 367-0787
- Mc Kenzie Agency Inc – 1315 N County Rd W – Odessa, TX 79763 – (432) 333-3532
- Permian Agency Inc – 1800 Andrews Hwy – Odessa, TX 79761 – (432) 333-1483
For a full directory of licensed insurance agents in Odessa, please view this page.
After receiving good answers to all your questions and an affordable coverage quote, chances are good that you have found a car insurance agent that will adequately provide auto insurance.
Online companies should be compared
Local insurance agents are indespensible for some people, but you also have the option of buying direct from companies online. Some companies that are more known for using agents, also let you buy direct on their websites, and consumers should do that if you prefer not to work with an agent.
If you’re anxious about not receiving proper advice, don’t be too concerned. Auto insurance companies all provide contact methods for getting the best coverage.
Is it cheaper to buy online? It’s hard to say exactly because of the number of factors that impact your rate calculation. It’s logical to say that purchasing direct online lowers rates due to not having any agent compensation. In many cases, there are very high advertising costs and this drives up their premium costs.
Texas auto insurance information
Additional detailed information is available at the Texas Department of Insurance website. Consumers can file complaints about an insurance agent or broker, file complaints about a company, and report car insurance fraud.
Also read more on Wikipedia and this list of insurance agents in Odessa.
And the best car insurance company is…
Consumers switch companies for many reasons like lack of trust in their agent, delays in responding to claim requests, denial of a claim or policy non-renewal. It doesn’t matter why you want to switch finding a great new company is not as difficult as it may seem.
The cheapest auto insurance is available online as well as from independent agents in Odessa, and you need to comparison shop both so you have a total pricing picture. A few companies don’t offer online price quotes and these small insurance companies work with independent agents.