If you’re trying to find a good insurance agent in Weatherford, TX, you can start your research by getting online comparison quotes instead of calling around. You require an excellent agent, but also need the cheapest rates you can possibly find.
You have so many insurance agencies to purchase coverage from, and even though it’s nice to have multiple companies, having more car insurance agents makes it harder to compare company pricing.
Buying car insurance from a local Weatherford agent
Insurance agents are trained to spot inefficiencies and help you file claims. The biggest benefit of comparing insurance prices online is you can get the best rates but also keep your business local.
By using this simple form, the coverage information is sent to companies in Weatherford who will battle for your business. You don’t have to drive around as quotes are delivered immediately to your email address. Now that’s easy!
Choosing an insurance agency shouldn’t rely on just a low price. Ask your prospective agent these questions:
- Which company do they place the most coverage with?
- Are you getting all the discounts the company offers?
- How long have they worked with personal auto insurance coverage?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is assistance available after office hours?
Different types of Weatherford insurance agencies
When searching for a local agent, there are two types of insurance agents that you can select. Agencies in Weatherford are categorized either independent (non-captive) or captive. Either one can properly insure your vehicles, but it’s worth mentioning the difference between them since it can impact your selection of an agent.
Captive Insurance Agents
These agents write business for a single company and some examples include State Farm, AAA, Farmers Insurance or Allstate. They are unable to compare other company’s rates so they are skilled at selling on more than just price. Captive agencies are usually quite knowledgeable in insurance sales which can be an advantage. Consumers sometimes choose to use a captive agent primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.
Below is a short list of captive agencies in Weatherford that are able to give rate quotes.
- Farm Bureau Insurance – 1515 Fort Worth Hwy – Weatherford, TX 76086 – (817) 594-2111
- Allstate Insurance – 1714 Fort Worth Hwy # A – Weatherford, TX 76086 – (817) 598-0456
- State Farm Insurance – 1711 Santa Fe Dr – Weatherford, TX 76086 – (817) 594-3844
Independent Agencies or Brokers
Independent agencies are not locked into one company but rather can write business with many different companies depending on which coverage is best. If you are not satisfied with one company, the business is moved internally without you having to go to a different agency. When shopping rates, we recommend you get quotes from multiple independent agents to get the best comparison. They also have the ability to place coverage with smaller companies which can save you money.
Shown below are independent insurance agencies in Weatherford that are able to give price quote information.
- Dennis Watters Agency – 119 N Main St – Weatherford, TX 76086 – (817) 596-4244
- Alpha Insurance – 3308 Stage Coach Trl – Weatherford, TX 76087 – (817) 335-6522
- Germania Insurance – 608 Stage Coach Trl – Weatherford, TX 76087 – (817) 598-0746
For a full directory of insurance agents in Weatherford, please go to this site.
After receiving good answers and an acceptable price quote, you may have just found an auto insurance agent that is a good match to insure your vehicles.
What about online companies that don’t have local agents?
Car insurance agents can be invaluable at times, but Texas consumers also have the option to buy from online companies direct. A few companies who have local Weatherford agents also allow consumers to buy direct online, so that should be considered to possibly find a better rate.
If you’re uneasy about choosing your own coverages when shopping online, this is normal but is quickly overcome. Companies that allow you to purchase coverage all have toll-free customer service for customer questions.
The only way to know where you can get the lowest rate, either online or from agents, is to get rates from both and compare them. It’s fairly common that you receive different coverage costs from the exact same provider when they compare quotes from both. You won’t know if the lower rates are from agents or online unless you compare quotes for identical coverages each way.
Can you save money buying online? The answer is complex since there are so many factors that impact your final bill. It would make sense to think that a consumer who buys direct saves the cost of an agent commission. For the majority of companies, however, there are high advertising and marketing costs and this drives up their premium costs.
Smart shoppers get results
As you restructure your insurance plan, make sure you don’t reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability coverage limits and found out when filing a claim that they should have had better coverage. The proper strategy is to get the best coverage possible at the best price.
Insureds leave their current company for a variety of reasons including high rates after DUI convictions, extreme rates for teen drivers, being labeled a high risk driver and unfair underwriting practices. Regardless of your reason, choosing a new company is actually quite simple.
More detailed Texas car insurance information can be found at the Texas Department of Insurance website. Visitors are able to find a variety of consumer forms, discover disciplinary actions, file complaints about a company, and read enforcement actions against agents and companies.
Additional helpful sites include this site for car insurance information in Texas and this list of insurance agents in Weatherford.