Finding good car insurance in Harker Heights can be challenging since picking a good Texas insurance agent is not as easy as just making a phone call. You require a competent insurance agent, and also want to find affordable rates.
Insurance companies such as State Farm and GEICO promote their brand names with catchy ads and it is challenging if not impossible to see through the deception and take the time to shop coverage around.
Compare online but buy from a local Harker Heights agent
Educated insurance agents can answer important questions and help in the event of a claim. One of the best bonuses of comparing insurance prices online is you can get the best rates but still work with a licensed agent.
Upon completion of this quick form, your insurance coverage information is submitted to agents in your area who will battle for your insurance coverage. You never need to leave your house since price quotes are sent to the email address you provide. Now that’s easy!
Selecting a car insurance agent requires more thought than just a low price. These questions are important to ask:
- Do they assist clients in filing claims?
- If your car is in the repair shop, do you have coverage for a rental car?
- Do they carry Errors and Omissions coverage?
- Do they review policy coverages at every renewal?
- Do the coverages you’re quoting properly cover your vehicle?
- What insurance companies do they work with?
Captive and independent Harker Heights insurance agents
When researching an insurance agent, you must know there are a couple different types of agents to choose from. Agencies in Harker Heights are categorized either captive or independent. While both can write coverage properly, but it’s good to learn the difference between them since it may influence the selection process.
Captive Agents
Captive agencies are contracted to one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. They are unable to give you multiple price quotes so they are skilled at selling on more than just price. Captive agencies are well schooled on their company’s products which helps them sell insurance even at higher premiums. Some consumers prefer to choose to use a captive agent mainly due to loyalty to the company and solid financial strength.
Below are captive agents in Harker Heights who may provide you with price quote information.
- Allstate Insurance – 600 Indian Trl # 110 – Harker Heights, TX 76548 – (254) 699-1000
Independent Agencies or Brokers
These agents are not required to write business for one company but rather can write business with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies without you having to go to a different agency.
When comparing rates, we recommend you include at a minimum one independent agency to get the best comparison. They often place coverage with smaller companies which may provide better rates.
Below are Harker Heights independent agencies that can give you rate quotes.
- Jerry Worley Insurance – 552 E Fm 2410 Rd – Harker Heights, TX 76548 – (254) 690-9299
- Don Cast Insurance Inc – 552 E Fm 2410 Rd – Harker Heights, TX 76548 – (254) 690-5000
To view a complete directory of licensed insurance agents in Harker Heights, go to this page.
Once you have acceptable answers to your questions and an acceptable price quote, you have narrowed it down to a car insurance agent that can properly insure your vehicles.
Can you save money by buying online?
Professional insurance agents are important to many people, but you also have the option of buying Texas car insurance direct over the internet. Some specific companies who have local Harker Heights agents also let you get a quote and buy online, and that can save time if you don’t want to take the time to contact agents.
If you’re apprehensive about not having professional advice when buying online, this really isn’t an issue. Car insurance companies that require consumers to choose their own coverages provide access to licensed agents for getting questions answered. You can also use online help and live chat that you can use before buying.
Can you save money buying online? It’s difficult to provide an answer because of the fact that insurance companies use many factors that are calculated into your premium. Common logic is that purchasing direct online cuts out the agent as a middleman. In reality, there are very high advertising costs and that can quickly cost more than paying an agent.
Additional detailed information is available at the Texas Department of Insurance website. Texas drivers can learn about specific coverages, download brochures, and file complaints about a company.
The best insurance company isn’t always the cheapest
The cheapest car insurance can be bought both online as well as from independent agents in Harker Heights, and you need to comparison shop both to get a complete price analysis. Some insurance providers don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.
When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where an insured cut liability limits or collision coverage and learned later that they should have had better coverage. The aim is to buy enough coverage at an affordable rate.