When trying to find an insurance agent in Copperas Cove, TX, you can always begin your search by comparing prices online to save time. Consumers need a professional licensed agent, but also the best possible rates.
There are many car insurance agents to insure vehicles with, and even though it’s nice to have multiple companies, lots of choices makes it harder to find the lowest cost provider.
Online price comparisons from Copperas Cove agents
Professional agents can point out coverage gaps and help submit paperwork. The biggest benefit of getting online price quotes is the fact that you can find lower rates and still have an agent to talk to.
For easy comparison, once you complete this form (opens in new window), the quote information is sent to local insurance agents in Copperas Cove who will compete for your insurance coverage. You never need to leave your house since price quotes are sent to the email address you provide. It doesn’t get any easier!
Choosing a car insurance agent shouldn’t rely on just a cheap price. These are valid questions to ask:
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they feel the quoted coverages are adequate?
- Is the agency involved in supporting local community causes?
- Do they have any clout with companies to ensure a fair claim settlement?
- Do they receive special compensation for putting your coverage with one company over another?
- Who is covered by the car insurance policy?
- If you are a high risk driver, do they have special markets for your coverage?
- Is their price quote a firm figure or are their hidden costs?
Two types of auto insurance agents
If you’re trying to find a reliable agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Agencies in Copperas Cove are classified as either captive or independent. Either one can do a good job, but it’s good to learn how they are different because it can influence the selection process.
Agency Captives
This type of agents are contracted to one company and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are unable to provide prices from multiple companies so it’s a take it or leave it situation. These agents are very knowledgeable on their company’s products and that can be a competitive advantage.
Listed below is a short list of captive insurance agencies in Copperas Cove willing to provide price quotes.
Farmers Insurance Group – 2604 E Highway 190 – Copperas Cove, TX 76522 – (254) 547-4595
Allstate Insurance – 2312 E Highway 190 – Copperas Cove, TX 76522 – (254) 547-6300
Vincent Richard State Farm Ins – 260 Cove Terrace Shopping Ctr – Copperas Cove, TX 76522 – (254) 547-2137
Independent Agents
These agents do not work for one specific company so they can insure your vehicles amongst many companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage and you won’t have to switch agencies.
When searching for an agent, it’s a good idea to get quotes from multiple independent agents to have the most options to choose from.
Listed below are independent insurance agencies in Copperas Cove who can help you get price quotes.
Texas State Low Cost Insurance – 2208 E Highway 190 # 1 – Copperas Cove, TX 76522 – (254) 542-3333
Insurance Network Of Texas – 100 Cove Terrace Shopping Ctr – Copperas Cove, TX 76522 – (254) 547-6963
For a full directory of car insurance agents in Copperas Cove, please go to this site.
After getting positive responses and an affordable coverage quote, you’ve probably found an insurance agency that is a good match to adequately provide car insurance.
Can you save by buying online?
Licensed agents can be invaluable at times, but Texas car insurance can also be bought from companies direct over the internet. Certain companies who have local Copperas Cove agents also let you buy online, and that is helpful if finding the best price is important.
If you’re worried about selecting your own policy coverages, this is expected but don’t let that bother you. Online insurance companies that allow you to purchase coverage provide customer service to answer any questions you may have. Most companies also provide extensive coverage information and 24/7 assistance to make it easier to purchase.
Are online rates lower? It’s difficult to provide an answer because there are a lot of things that determine the price you pay. It’s a common assumption that going direct saves money because there is no agent involvement. For the majority of companies, however, advertising and marketing take a lot of money and this tends to eat up any savings.
Additional resources for Texas consumers
Even more information can be read at the Texas Department of Insurance website. Texas drivers can file complaints about an insurance agent or broker, find out which companies have the most complaints, read consumer alerts, and find disaster information.
Additional helpful sites include Wikipedia and this page of Copperas Cove insurance agents.
More comparisons equals lower rates
Budget-conscious car insurance can be sourced both online in addition to many Copperas Cove insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide online quoting and these small, regional companies work with independent agents.
Consumers change insurance companies for a variety of reasons including policy non-renewal, poor customer service, unfair underwriting practices and an unsatisfactory settlement offer. Whatever your reason, choosing a new company can be pretty painless.