When pricing auto insurance in Haltom City, TX, there are a lot of options and picking a good Texas insurance agency is not as easy as just picking up the phone. You require a professional licensed agent, and also the best price on auto insurance.
Lots of auto insurance agents contend for your insurance dollar, so it’s not easy to compare every auto insurance agent and uncover the absolute cheapest price
Compare Haltom City agent rates online
Insurance agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing rates online is you can get the best rates but also keep your business local.
To help locate an agent, after submitting this form (opens in new window), your coverage information is emailed to local insurance agents in Haltom City who will give you bids for your coverage. You don’t have to leave your house due to the fact that quote results will go to the email address you provide. Now that’s easy! It’s the lowest rates AND a local agent.
Choosing a car insurance agent needs to be determined by more than just a cheap price. Ask your prospective agent these questions:
- If you are a high risk driver, do they have special markets for your coverage?
- Does the agency provide any after hours assistance?
- Who are their largest clients?
- Is the agency involved in supporting local community causes?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- How long have they worked with personal auto insurance coverage?
Haltom City car insurance agents come in two flavors
If you’re trying to find a good insurance agency, you need to know there are two types of agencies to choose from. Agents can either be independent (non-captive) or captive.
Captive Insurance Agents
Captive agents write business for a single company like State Farm, AAA, Farmers Insurance or Allstate. They are unable to place coverage with different providers so they are skilled at selling on more than just price. Captive agencies are trained well on their company’s products which helps them compete with independent agents.
The following is a list of captive agents in Haltom City that can give you rate quotes.
American Family Investment – 2700 Carson St – Haltom City, TX 76117 – (682) 647-1439
Farmers Insurance Group – 5302 E Belknap St # 3 – Haltom City, TX 76117 – (817) 838-0020
State Farm Insurance – 4632 Denton Hwy # C – Haltom City, TX 76117 – (817) 281-8038
Allstate Insurance – 5310 E Belknap St # I – Haltom City, TX 76117 – (817) 222-2636
Independent Agencies or Brokers
Independent agents do not work for one specific company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency.
When searching for an agent, we recommend you contact several independent insurance agents to get the best comparison.
The following is a list of independent agents in Haltom City willing to provide comparison quotes.
Mike Briscoe Insurance – 5409 Denton Hwy – Haltom City, TX 76148 – (817) 428-2295
A-Affordable Insurance – 5200 Denton Hwy – Haltom City, TX 76148 – (817) 485-1116
For a complete listing of Haltom City insurance agents, click here to link.
After receiving satisfactory answers to all your questions as well as a affordable price, most likely you have located a car insurance agent that can properly insure your vehicles.
But what about GEICO, Progressive and Esurance?
Insurance agencies are important to many people, but Texas car insurance can also be bought direct from companies online. Some specific companies who have local agents in Haltom City also give you the option to buy direct on their websites, and consumers should do that as an alternative to contacting agents.
If you’re uncomfortable with not getting advice from an agent, that shouldn’t be an issue. Online car insurance companies have customer service departments to answer any questions you may have. Additionally, most companies also offer live help and 24/7 access that you can use if you have questions.
Are online companies cheaper? The answer is complex because of the number of factors that influence the price you pay. Many people think that a consumer who buys direct cuts out the middleman. But in reality, the cost of constant advertising is expensive and those expenses can offset most of the savings by selling direct.
The best approach to find out if car insurance prices are lower online or from agents is to make apples-to-apples comparisons of both. It’s fairly common that you receive different coverage costs when quoting both agents prices and online prices from the same car insurance company. It’s difficult to tell which way will be cheaper unless free rate quotes are compared utilizing both methods.
Smart shoppers get results
Drivers leave their current company for a number of reasons such as policy cancellation, not issuing a premium refund, high prices or even unfair underwriting practices. Regardless of your reason, switching companies can be less work than you think.
When you buy insurance online, do not skimp on coverage in order to save money. There are a lot of situations where an insured cut liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at the best price.
Additional detailed information can be read at the Texas Department of Insurance website. Texas consumers can find out industry alerts, discover disciplinary actions, learn about insurance regulations, and find a variety of consumer forms.