When buying car insurance in Livingston, you have many choices and finding the best Texas car insurance agent takes more work than just driving to the closest agent’s office. Consumers require a professional licensed agent, and also competitive car insurance rates.
Big-name insurance companies like Progressive, State Farm and GEICO persitently shower you with TV and radio ads and it is difficult to see past the geckos and flying pigs and find the best price available.
Buying car insurance from a local Livingston agent
Agents can point out coverage gaps and help file insurance claims. The best thing about getting online price quotes is the fact that you can find the lowest rates but still work with a licensed agent.
To find an agent, once you fill out this short form, your insurance coverage information is sent to participating agents in Livingston who will give you bids to get your business. You never need to even leave your home due to the fact that quote results will go to your email. Now that’s easy!
Picking an insurance agent needs to be determined by more than just the bottom line cost. These are valid questions to ask:
- Will your rates increase after a single accident?
- Does the agency have a good rating with the Better Business Bureau?
- Are they properly licensed to sell insurance in Texas?
- How are claims handled?
- Do they review policy coverages at every renewal?
Shown below are agents in Livingston that may be able to provide price quote information.
Farm Bureau Insurance – 900 Highway 59 Loop N, Livingston, TX 77351 – (936) 327-2434
Polk County Insurance Agency – Hwy 190, Livingston, TX 77351 – (936) 967-8609
State Farm Insurance – 800 W Church St, Livingston, TX 77351 – (936) 327-2541
Allstate Insurance – 1126 Timberglen St, Livingston, TX 77351 – (936) 967-0161
Allstate Agency Joe Max Green – 301 Highway 59 Loop S # B, Livingston, TX 77351 – (936) 327-5626
Insurance Concepts – Brookhollow Square, Livingston, TX 77351 – (936) 328-8530
Farmers Insurance Group – 724 S Washington Ave, Livingston, TX 77351 – (936) 327-2122
After getting satisfactory answers to any questions you have and locked in a price quote, you may have just found a car insurance agent that can properly service your car insurance policy.
The online alternatives
Local insurance agents are important, but Texas car insurance can also be bought direct online. Certain auto insurance companies, such as Farmers Insurance and State Farm, who sell through agents in Livingston additionally provide the ability to buy a policy online, and online price comparisons are easy if finding the best price is important.
If you’re uneasy about not getting advice from an agent when buying online, this is expected but don’t let that bother you. All companies all provide contact methods to answer any questions you may have. They also make available live help and 24/7 access to help with the buying process.
Will auto insurance cost less online? It’s hard to say exactly due to the large number of individual components that influence how your policy is priced. It’s a common assumption that buying online saves the commission normally paid to an agent. But in reality, promoting brand recognition is pricey so this can offset any savings.
When shopping for low rates, the only way to find out if local insurance agents or online providers are cheaper is to take the time to compare rates from both. It’s even possible to receive different pricing from exactly the same company depending on if you quote online or with their agents. But you can’t find out which way will be cheaper unless free rate quotes are compared utilizing both methods.
Smart consumers save more
When you buy insurance online, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where an insured cut liability coverage limits only to find out that it was a big error on their part. Your aim should be to buy the best coverage you can find at an affordable rate.
Consumers who switch companies do it for many reasons like delays in paying claims, delays in responding to claim requests, an unsatisfactory settlement offer or even high prices. No matter why you want to switch, finding a new car insurance company is easier than you think.
Additional reading for car insurance information
More tips and info about car insurance can be read at the Texas Department of Insurance website. Texas drivers can find disaster information, discover disciplinary actions, find a variety of consumer forms, and read consumer alerts.
The following articles may also be useful.