Comparing auto insurance rates in Seguin can be a lot of work since you have many choices and finding the best Texas insurance agent is more difficult than just making a phone call. Consumers require a good agent, and also cheaper auto insurance prices.
Lots of insurance agents contend to insure your vehicles, and it can be difficult to compare rates to get the lowest rate possible.
Quote online but work with a neighborhood agent
Educated insurance agents can help determine the best coverages and help in the event of a claim. One of the great benefits of comparing insurance prices online is the fact that you can find the lowest rates but also keep your business local.
Upon completion of this simple form, the quote information is submitted to agents in your area who will compete for your insurance coverage. There is no reason to visit any agencies as quotes are delivered to your email. How cool is that?! You can find better rates and work with a local agent.
Picking an insurance agent shouldn’t rely on just a cheap price. These are valid questions to ask:
- If they are an independent agency, which companies do they recommend?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- How long has their agency been in business in Seguin?
- Are they able to influence company decisions when a claim is filed?
- If you are a high risk driver, do they have special markets for your coverage?
Choose an insurance agent wisely
When searching for a good insurance agency, you need to know there are two types of insurance agents from which to choose. Agents can either be independent (non-captive) or captive.
Agency Captives
Captive agents work for only one company and examples are Allstate, Farmers Insurance, State Farm and AAA. These agents are not able to place coverage with different providers so they have to upsell other benefits. Captive agencies receive extensive training on their products and sales techniques which can be an advantage.
Shown below is a list of captive agents in Seguin willing to provide price quotes.
Allstate Insurance Co – 813 N State Hwy 123 Bypass – Seguin, TX 78155 – (830) 379-0555
Farm Bureau Insurance – 325 S State Highway 46 – Seguin, TX 78155 – (830) 379-4456
State Farm Insurance – 624 N Highway 123 Byp – Seguin, TX 78155 – (830) 379-6160
Independent Insurance Agents
Independent agents do not work for one specific company so they can insure your vehicles with many different companies depending on which coverage is best. If your agent finds better pricing, the business is moved internally without you having to go to a different agency. When comparison shopping, we recommend you contact at a minimum one independent agency to ensure the widest selection of prices.
Below are Seguin independent agents that are able to give comparison quotes.
Farm Bureau Insurance – 325 S State Highway 46 – Seguin, TX 78155 – (830) 379-4456
Hotchkiss Insurance – 7925 W Ih 10 – Seguin, TX 78155 – (210) 558-8475
To view a full list of Seguin insurance agents, please go to this site.
Upon getting positive responses to your questions and locked in a price quote, you’ve probably found a car insurance agent that is a good match to properly service your auto insurance policy.
Online companies give you options
Local insurance agents are indespensible for some people, but you can also find affordable Texas auto insurance direct from companies online. Certain auto insurance companies like State Farm and Allstate that are more known for using agents, also allow consumers to buy direct online, so this should also be taken into consideration.
If you’re anxious about not getting proper coverage when buying car insurance direct, that shouldn’t be an issue. All companies provide phone numbers and online resources to answer your questions. They also make available live help and an extensive research center that can help answer basic questions.
Is auto insurance cheaper online? Whether or not you’ll save is impossible to say because of the fact that insurance companies use many factors that are calculated into your premium. It would make sense to think that buying directly from the company lowers rates due to not having any agent compensation. In reality, advertising budgets are huge and this tends to eat up any savings.
Learn more about auto insurance in Texas
More detailed Texas auto insurance information can be found at the Texas Department of Insurance website. Texas consumers can report car insurance fraud, read state legal mandates and laws, and learn about specific coverages.
Cheaper insurance is a realistic goal
As you go through the steps to switch your coverage, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where someone sacrificed collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage for the lowest price while not skimping on critical coverages.
Cheap auto insurance is possible from both online companies as well as from independent agents in Seguin, and you should be comparing both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.