To find a good Huntsville agent, you can always do an initial search using online quotes in order to save time. You require a competent insurance agent, but also the best price on auto insurance.
Consumers have many insurance agents to pick from, and although it’s a good thing to be able to choose, it makes it harder to get the best deal.
Best way to find Huntsville agents
Good agents can help determine the best coverages and give you someone to call. The biggest benefit of price shopping on the web is that you can obtain the best rates and still choose a local agent.
To make it easy to find an agent, after completing this quick form, your insurance coverage information is immediately sent to local insurance agents in Huntsville who will battle for your insurance coverage. There is no reason to visit any agencies because quoted prices will be sent to the email address you provide. It doesn’t get any easier! You can find the lowest rates AND a local agent.
Deciding on a car insurance agent shouldn’t rely on just a cheap price. These questions are important to ask:
- Does the agency support the community they serve?
- How long has their agency been in business in Huntsville?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Are claims handled at the agent’s location?
- What insurance companies do they work with?
The difference between Huntsville auto insurance agents
When looking for a local agent, there are a couple of types of agencies that you can select. Huntsville agents are classified as either captive or independent (non-captive).
Captive Insurance Agents
Captive insurance agents can only write with one company such as Farmers Insurance or State Farm. They are unable to compare other company’s rates so they have to upsell other benefits. Captive agencies are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
Listed below is a list of captive insurance agents in Huntsville who may provide you with price quote information.
Farmers Insurance Group – 1329 University Ave # J – Huntsville, TX 77340 – (936) 291-9227
State Farm Insurance – 1316 10th St – Huntsville, TX 77320 – (936) 291-9364
Allstate Insurance – 1329 Sam Houston Ave – Huntsville, TX 77340 – (936) 295-6306
Independent Agents
Independent insurance agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, the business is moved internally and you don’t have to find a new agent.
When comparing rates, you should always get quotes from several independent insurance agents to ensure the widest selection of prices.
Below is a list of independent insurance agencies in Huntsville that can give you comparison quotes.
Wyatt Agency – 1300 11th St # 305e – Huntsville, TX 77340 – (936) 291-3074
Davis Insurance – 1330 Avenue N – Huntsville, TX 77340 – (936) 291-6470
Glynn Herrod Agency – 1719 11th St # 104 – Huntsville, TX 77340 – (936) 291-0226
Beathard Insurance Agency – 3011 Highway 30 W – Huntsville, TX 77340 – (936) 294-9888
Beathard Insurance Agency – 3011 Highway 30 W – Huntsville, TX 77340 – (936) 294-9888
For a complete listing of Huntsville insurance agents, simply jump to this page.
Upon getting answers to your satisfaction to all your questions and locked in a price quote, it’s possible that you found an insurance agent that meets your needs to service your policy.
Also consider buying direct
Insurance agencies are important, but Texas consumers also have the option to buy from companies direct over the internet. Even companies who sell through agents in Huntsville also permit you to buy a policy online. This is something to consider if you are the do-it-yourself type.
If you’re anxious about not getting proper coverage when buying online, don’t sweat it. Online companies that allow you to purchase coverage provide customer service to answer any questions you may have.
Are car insurance rates lower online? Many people think so, but it’s hard to say for sure since there are so many factors that determine your policy premium. Some people will tell you that shopping direct saves by not paying a commission. But in most cases, there are very high advertising costs so there may not be significant savings.
More Texas auto insurance resources
Even more information is available at the Texas Department of Insurance website. Texas consumers can view agent and company licensing information, learn about insurance regulations, learn about specific coverages, and download brochures.
Also read more on this site for auto insurance rates in Texas and this page where you can also get Huntsville auto insurance quotes.
Buy online or local, you save
Affordable auto insurance can be purchased online as well as from independent agents in Huntsville, so you should be comparing quotes from both so you have a total pricing picture. Some companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. There have been many cases where drivers have reduced collision coverage only to find out that it was a big error on their part. Your focus should be to buy enough coverage at the best price while not skimping on critical coverages.