When shopping for auto insurance, picking a good Texas insurance agent takes more work than just randomly choosing from the yellow pages. Consumers need a good professional insurance agent, but also decent rates too.
With consumers having so many different company options, it can be diffult for consumers to find the lowest price insurance company.
Watauga agents for auto insurance
Agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of getting online price quotes is you may find better rates but also keep your business local.
After filling out this form (opens in new window), the coverage information is immediately sent to participating agents in Watauga who will return price quotes for your business. You don’t have to leave your computer since price quotes are sent immediately to your email address. How cool is that?!
Picking a car insurance agent needs to be determined by more than just a cheap price. Agents should be asked these questions:
- Did they already check your driving record and credit reports?
- Are claims handled at the agent’s location?
- Is the agent and/or agency licensed to do business in Texas?
- If your car is in the repair shop, do you have coverage for a rental car?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Which insurance companies are they affiliated with?
- If they are an independent agency, which companies do they recommend?
- Do they feel the quoted coverages are adequate?
Two types of insurance agencies
If you’re trying to find a reliable agent, there are a couple of types of agencies to choose from. Watauga agents are either independent or captive. Either one can do a good job, but it’s important to know how they are different because it can influence buying decisions.
Captive Insurance Agents
Captive agencies have only one company to place business with and some examples include Allstate, Farmers Insurance or State Farm. These agents are unable to give you multiple price quotes so always compare other rates. Captive agencies are usually quite knowledgeable on their products and sales techniques which can be an advantage. Some consumers prefer to buy insurance from these agents primarily because of high brand loyalty and strong financial ratings.
Below is a short list of captive agencies in Watauga willing to provide price quotes.
- Allstate Insurance – 6751 Rufe Snow Dr # 900 – Watauga, TX 76148 – (817) 656-8194
- State Farm Insurance – 8420 Denton Hwy # 106 – Watauga, TX 76148 – (817) 605-1729
Independent Insurance Agents
These agents are not locked into one company but rather can write business with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent.
When searching for an agent, it’s recommended you include several independent insurance agents to get the best comparison. They often place coverage with different regional companies which can be an advantage.
Shown below are Watauga independent insurance agents who can help you get rate quotes.
- Golden Agency – 6700 Denton Hwy # E – Watauga, TX 76148 – (817) 849-8002
For a full directory of licensed insurance agents in Watauga, please view this page.
Upon getting answers to your satisfaction to any questions you have and a low price estimate, you’ve probably found an auto insurance agent that meets your needs to insure your vehicles.
Can I save by cutting out the agent?
Auto insurance agents are important, but Texas drivers can also buy direct over the internet. Even companies like Allstate and State Farm who sell through the agent channel also allow you to buy direct online, and that is helpful if you want to do it yourself.
If you’re anxious about not having an insurance agent’s advice when buying online, that is normal but is not a big issue. Online car insurance companies that allow you to purchase coverage all provide contact methods for customer questions. You can also use live chat and online tools that you can use if you have questions.
Can you save money buying online? Many people think so, but it’s hard to say for sure since there are so many components that impact your final bill. Some people think that purchasing direct online lowers rates due to not having any agent compensation. But in most cases, marketing expenses are significant and that impacts the rates consumers pay.
More detailed Texas auto insurance information is available at the Texas Department of Insurance website. Consumers can learn about insurance regulations, file complaints about an insurance agent or broker, read industry bulletins, and find disaster information.
Compare but don’t skimp
Cheaper auto insurance can be purchased both online and also from your neighborhood Watauga agents, and you should be comparing both so you have a total pricing picture. Some companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.
Drivers switch companies for a number of reasons such as high rates after DUI convictions, delays in paying claims, policy cancellation and even poor customer service. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.