Selecting a car insurance company in Wylie, TX can be time consuming since finding the best Texas insurance agent is harder than just making a phone call. Consumers require a professional agent, but also need the best car insurance prices in Wylie.
Because you have many insurance providers from which to choose, it can be hard to choose the best insurance company.
Car Insurance through a local Wylie agent
Insurance agents can help determine the best coverages and give you peace of mind. The biggest benefit of price shopping on the web is the fact that you can find better rates and still choose a local agent.
To find an agent, once you fill out this form (opens in new window), your coverage information is submitted to companies in Wylie who will battle for your business. You won’t need to even leave your home because quoted prices will be sent immediately to your email address. How cool is that?!
Choosing an insurance agent shouldn’t rely on just the premium amount. Any agent should be forthright in answering these questions:
- If you are a high risk driver, do they have special markets for your coverage?
- How long has their agency been in business in Wylie?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Is assistance available after office hours?
- Are they able to influence company decisions when a claim is filed?
Captive and independent Wylie insurance agents
When researching a reputable insurance agent or broker, you need to know there are two types of agencies that differ in how they can insure your vehicles. Wylie agents can either be captive or independent (non-captive). Both types can insure your vehicles, but it’s important to know how they are different because it can influence the selection process.
Agency Captives
These agents write business for a single company such as Allstate, State Farm and Farmers Insurance. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. Captive agencies are trained well in insurance sales which can be an advantage.
Listed below is a short list of captive agents in Wylie who can help you get rate quotes.
Farmers Insurance Group – 105 S Ballard Ave – Wylie, TX 75098 – (972) 429-4256
State Farm Insurance – 600 E Brown St – Wylie, TX 75098 – (972) 442-2246
Allstate Insurance – 122 N Ballard Ave – Wylie, TX 75098 – (972) 442-7521
Independent Agents (or Brokers)
Independent agents are not required to write business for one company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your agent can switch companies and you won’t have to switch agencies. When comparison shopping, you should always include at a minimum one independent agency for the best price selection.
Shown below are independent insurance agents in Wylie that can give you price quote information.
Nationwide Insurance – 2610 Highway 544 W – Wylie, TX 75098 – (972) 461-9919
Millenium Insurance – 2260 Country Club Rd – Wylie, TX 75098 – (972) 442-9400
To view a full list of insurance agents in Wylie, visit this link.
Once you have good answers to any questions you have as well as a affordable price, you’ve probably found a car insurance agent that is a good match to properly insure your vehicles.
Online companies should get a look
Insurance agencies are perfect for certain consumers, but you can also buy Texas car insurance direct from companies online. Even companies who employ agents also give you the option to get quotes and purchase online, so keep that in mind if you are the do-it-yourself type.
If you’re uneasy about not having an insurance agent’s advice when buying car insurance direct, don’t be too concerned. Companies that allow you to purchase coverage have customer service departments to help you decide which coverages are appropriate. Also available are 24/7 live help and a car insurance FAQ section that you can use before buying.
Will buying online save you money? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there are many things that influence how your policy is priced. It’s logical to say that buying direct saves the commission normally paid to an agent. In many cases, there are high advertising and marketing costs so the rates may be similar to buying from an agent.
Cheaper insurance is a realistic goal
Cheaper car insurance can be sourced both online as well as from independent agents in Wylie, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.
As you shop your coverage around, never skimp on critical coverages to save a buck or two. There are too many instances where an insured cut uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. The aim is to get the best coverage possible at the best price.
More consumer information in Texas
Even more information is available at the Texas Department of Insurance website. Texas drivers can download brochures, read state legal mandates and laws, discover disciplinary actions, and learn about insurance regulations.
Additional helpful sites include NAIC.org’s Understanding your Policy and this list of insurance agents in Wylie, TX.