If you’re trying to find a good insurance agent in Fort Worth, we recommend you start your research on the web to save yourself time. Consumers require a friendly agent and also decent rates too.
Because there are so many companies to choose from, it’s difficult to choose the cheapest insurance company.
Local Fort Worth car insurance agents
Educated insurance agents can point out coverage gaps and give you someone to call. The biggest benefit of comparing insurance prices online is that you can obtain the lowest rates and still have an agent to talk to.
After filling out this form (opens in new window), your insurance coverage information is transmitted to local insurance agents in Fort Worth who will compete for your business. There is no reason to visit any agencies as quotes are delivered straight to your inbox.
Deciding on an insurance agency needs to be determined by more than just the premium amount. Some important questions to ask are:
- Are they full-time agents?
- Are they able to influence company decisions when a claim is filed?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- What is the agency’s Better Business Bureau rating?
- If you have an accident, will your rates go up?
- How much will you save each year by using a higher deductible?
- Who are their largest clients?
- Which insurance company do they recommend?
Do you need an independent or captive auto insurance agent?
When looking for a reliable agent, there are two different agency structures that differ in how they insure your property. Insurance agencies in Fort Worth are categorized either independent (non-captive) or captive. Both properly insure your vehicles, but it’s worth learning how they differ since it may influence your agent selection.
Agency Captives
Captive insurance agents have only one company to place business with like Allstate, State Farm and Farmers Insurance. They are unable to give you multiple price quotes so keep that in mind. Captive agencies are trained well in insurance sales which helps them sell insurance even at higher premiums.
Below is a list of captive agencies in Fort Worth that can give you price quotes.
Allstate Insurance – 1509 S University Dr # 218 – Fort Worth, TX 76107 – (817) 820-0015
Liberty Mutual Insurance – 210 W 6th St # 925 – Fort Worth, TX 76102 – (817) 332-9626
Dan Miller State Farm – 4608 Bryant Irvin Rd # 449 – Fort Worth, TX 76132 – (817) 292-9119
Farmers Insurance Group – 4932 Byers Ave – Fort Worth, TX 76107 – (817) 735-9150
Independent Agents (or Brokers)
Independent agents are not required to write business for one company so they can insure your vehicles with lots of companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, it’s recommended you contact at a minimum one independent agency to get the best comparison.
Shown below are Fort Worth independent insurance agents willing to provide price quotes.
Affirmative Insurance – 1019 Woodhaven Blvd – Fort Worth, TX 76112 – (817) 446-5587
Kim Rayburn Agency – 6650 N Beach St # 100 – Fort Worth, TX 76137 – (817) 428-4040
Legacy Connections Agency – 1001 Oak Forest Dr – Fort Worth, TX 76114 – (817) 377-9944
Stan Jones Agency – 4736 Bryant Irvin Rd # 710 – Fort Worth, TX 76132 – (817) 294-5180
Bean Insurance – 3001 Halloran St # B – Fort Worth, TX 76107 – (817) 732-0056
For a full directory of car insurance agents in Fort Worth, visit this link.
After getting answers to your satisfaction for all questions you ask and a low price estimate, you have narrowed it down to an auto insurance agent that meets your needs to adequately provide car insurance. But remember, policyholders can cancel coverage at any time so never feel that you are obligated to your new company with no way to switch.
When might I need an agent?
When it comes to buying the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions can help discover whether or not your insurance needs will benefit from professional help.
- What are the best liability limits?
- Should I put collision coverage on all my vehicles?
- Does my car insurance cover rental cars?
- Who is covered by my policy?
- What are Texas no-fault laws?
- Should I drop comprehensive coverage on older vehicles?
- Does my policy cover my teen driver if they drive my company car?
- Why am I required to buy high-risk coverage?
- Will I be non-renewed for getting a DUI or other conviction?
- Am I covered by my employer’s commercial auto policy when driving my personal car for business?
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent.
In conclusion
People change insurance companies for a number of reasons such as policy cancellation, high prices, not issuing a premium refund and even being labeled a high risk driver. Regardless of your reason, finding a new car insurance company is less work than it seems.
Cheap car insurance can be found on the web in addition to most Fort Worth insurance agents, and you should be comparing both to have the best rate selection. Local independent agents have access to many small, regional companies who do not offer you the ability to get quotes online.
Learn more about car insurance in Texas
More tips and info about car insurance is located at the Texas Department of Insurance website. Texas drivers can read state legal mandates and laws, discover disciplinary actions, learn about specific coverages, and get help finding coverage. Also read more on Auto Insurance 101 and this page of Fort Worth insurance agents.