When pricing auto insurance in Texarkana, Texas, there are a lot of options and choosing the right Texarkana auto insurance agent takes more work than just randomly choosing from the yellow pages. We’re guessing you require not only a professional agent, but you also want the best rates possible.
With insurance companies like American Family, Allstate, State Farm and independent agents all competing for your business, it can be hard to know which auto insurance agent will provide you with the cheapest rates and the best coverage. Fortunately, it’s easy to use insurance quotes online to assemble a group of agents from which to choose.
Texarkana agents and online quotes
Agents can point out coverage gaps and help you file claims. The biggest benefit of comparing insurance prices online is the fact that you can find lower rates but also keep your business local. Buying from small agencies is important particularly in Texarkana.
Once you complete this form (opens in new window), the quote information is emailed to agents in your area who will battle for your coverage. You won’t need to leave your computer since price quotes are sent directly to your email. It doesn’t get any easier!
Best insurance agent in Texarkana
When looking for a good insurance agency, you must know there are a couple different types of agents to choose from. Insurance agencies in Texarkana are either independent or captive. Both do a good job, but it’s important to know how they differ because it can influence the type of agent you choose
Independent Insurance Agents
These agents are not employed by any specific company but instead can place your coverage amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent. When searching for an agent, we recommend you include price quotes from several independent insurance agents for maximum quote selection.Most can insure with smaller regional carriers which can save you money.
The following is a short list of independent insurance agencies in Texarkana willing to provide price quote information.
- Chris Miot Insurance Agency – 2208 Kennedy Ln – Texarkana, TX 75503 – (903) 793-1681
- Direct General Ins Agency – 4711 Texas Blvd – Texarkana, TX 75503 – (903) 793-2560
- Hall Insurance Svc – 5305 Summerhill Rd – Texarkana, TX 75503 – (903) 832-5333
- Mike Sharp Insurance – 5016 Lionel Ave – Texarkana, TX 75503 – (903) 223-7347
- Cami Harvey Agency LLP – 4770 Texas Blvd – Texarkana, TX 75503 – (903) 791-0413
Captive Insurance Agents
Captive insurance agents can only write with one company like American Family, Liberty Mutual and AAA. These agents are unable to give you multiple price quotes so it’s a take it or leave it situation. Captives are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers often buy from captive agents primarily because of loyalty to the company and strong financial ratings.
The following are captive insurance agencies in Texarkana that can give you rate quotes.
- Farmers Insurance Group – 3201 Richmond Rd # A – Texarkana, TX 75503 – (903) 832-6561
- State Farm Insurance – 418 Walton Dr – Texarkana, TX 75501 – (903) 223-3276
- Farm Bureau Insurance – 2011 Mall Dr # C – Texarkana, TX 75503 – (903) 794-0606
- Allstate Insurance – 5323 Summerhill Rd – Texarkana, TX 75503 – (903) 838-6731
To view a full list of Texarkana captive agencies, please click here.
Deciding on an insurance agency requires more thought than just a cheap price. Any agent should have no problem answering these questions:
- Does the agency provide any after hours assistance?
- Who is covered by the car insurance policy?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Can glass repairs be made at your home?
- If you are a high risk driver, do they have special markets for your coverage?
- What are the financial ratings for the companies they represent?
Once you have received reasonable responses and an affordable coverage quote, you’ve probably found an insurance agency that is a good match to service your policy.
Isn’t it cheaper to buy direct online?
Insurance agencies are important, but you also have the option of buying direct over the internet. Even companies who sell through agents in Texarkana also allow you to buy a policy online, and that can save time.
If you’re uneasy about whether or not you’ll have guidance, this is expected but don’t let that bother you. Online companies provide customer service for getting questions answered. You may also access live chat and online tools that you can use before buying.
If the best price is important to you, the most effective way to determine if car insurance prices are lower online or from agents is to take the time to compare rates from both. You could possible even receive different price quotes for the exact same company depending on if you quote online or with their agents. You won’t discover whether the best rates are online or from an agent without getting separate quotes for both.
Is it cheaper to buy online? It’s hard to say exactly since there are so many factors which can raise or lower premium rates. It’s logical to say that buying car insurance online saves money because there is no commission. But the fact is, it’s expensive to advertise so the lack of a commission may be a wash.
Final thoughts
As you prepare to switch companies, it’s not a good idea to skimp on critical coverages to save a buck or two. In too many instances, an insured cut physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at the best price.
Insureds leave their current company for a variety of reasons including high prices, an unsatisfactory settlement offer, being labeled a high risk driver and high rates after DUI convictions. Regardless of your reason, switching auto insurance companies can be pretty painless.
For more Texas car insurance information
Much more information about auto insurance in Texas can be found on the Texas Department of Insurance website through this link. Visitors are able to file complaints about a company, find disaster information, find out which companies have the most complaints, and learn about specific coverages.
Additional helpful sites include this site for auto insurance rates in Texas and this page where you can also get Texarkana auto insurance quotes.