When shopping for car insurance, you have many choices and selecting the best Austin auto insurance agent for your needs is harder than just randomly choosing from the yellow pages. Consumers need a friendly agent and also want to find the best possible rates.
Drivers have multiple insurance agencies to purchase coverage from and even though it’s nice to have multiple companies, it makes it harder to get the best deal.
Compare online but buy from a local Austin agent
Licensed agents can point out coverage gaps and help file insurance claims. The biggest benefit of comparing insurance prices online is the fact that you can find lower rates but still work with a licensed agent.
After filling out this short form, the quote information gets sent to local insurance agents who will compete for your coverage. There is no need to drive around since price quotes are sent directly to your email. How cool is that?! Get lower rates AND an agent nearby.
Deciding on an auto insurance agent shouldn’t rely on just a cheap price. Here are some questions to ask:
- Are they full-time agents?
- Can they provide you with a list of referrals?
- Is assistance available after office hours?
- Who are their largest clients?
- Do the coverages you’re quoting properly cover your vehicle?
Compare rates from both independent and captive insurance agencies
When finding a reputable insurance agent or broker, there are a couple of different types of agents that differ in how they insure your property. Agents are either captive or independent.
Captive Insurance Agents
This type of agents write business for a single company and examples are American Family, Liberty Mutual and AAA. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. Captive agencies are well schooled on their company’s products and that can be a competitive advantage. Some people will only buy from captive agents partially due to high brand loyalty and strong financial ratings.
Below is a list of captive insurance agents in Austin willing to provide comparison quotes.
- Allstate Insurance – 730 W Stassney Ln # 230 – Austin, TX 78745 – (512) 443-9598
- Liberty Mutual Insurance – 12129 Ranch Road 620 N # 450 – Austin, TX 78750 – (512) 258-1267
- State Farm Insurance – 3006 Bee Caves Rd # B170 – Austin, TX 78746 – (512) 328-2340
- Farmers Insurance Group – 701 Brazos St – Austin, TX 78701 – (512) 791-5650
Independent Agents
Independent agencies do not work for one specific company but instead can place your coverage with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.
When searching for an agent, you should always include price quotes from at least one independent agent to get the best comparison.They also have the ability to place coverage with smaller regional carriers which can save you money.
Below is a list of independent insurance agencies in Austin willing to provide comparison quotes.
- Alycen Delrie Agency – 3107 Slaughter Ln W # B – Austin, TX 78748 – (512) 280-5977
- Accent Insurance – 2525 W Anderson Ln # 302 – Austin, TX 78757 – (512) 302-9445
- Pat Leonard and Assoc Insurance – 950 Westbank Dr – Austin, TX 78746 – (512) 329-5445
- Sonya M Pence Agency – 708 Rio Grande St – Austin, TX 78701 – (512) 478-4109
For a complete listing of licensed insurance agents in Austin, please view this page.
Once you have received answers to your satisfaction to any questions you have and an affordable coverage quote, most likely you have located an insurance agent that is a good match to adequately provide car insurance.
Lower priced car insurance can be bought from both online companies in addition to most Austin insurance agents, so compare prices from both in order to have the best prices to choose from. Independent agents have access to many regional insurance providers who do not offer you the ability to get quotes online.
When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where someone dropped physical damage coverage to discover at claim time they didn’t purchase enough coverage. Your aim should be to buy enough coverage at the best price.