When trying to find a good Henderson agent, we recommend you start your search by comparing rates online to save yourself time. There is a good chance you’re not only searching for an excellent agent, but you also need great rates as well.
With State Farm, Allstate and Farmers Insurance all competing for your business, it can be hard to know which one will provide you with the best service and rates. Thankfully, you can use insurance quotes online to build a list of agents and price estimates.
Car Insurance from Henderson insurance agents
Good agents can help determine the best coverages and give you someone to call. The biggest benefit of getting online price quotes is you can get better rates and still choose a local agent. Supporting local agencies is definitely important in Henderson.
For easy comparison, once you complete this form (opens in new window), your information is instantly submitted to local insurance agents in Henderson who will give you bids for your coverage. There is no reason to visit any agencies due to the fact that quote results will go directly to your email. Now that’s easy! You can find the lowest rates and a licensed agent to work with.
Types of insurance agents in Henderson
If you’re trying to find a reputable insurance agent or broker, you must know there are a couple types of insurance agents that you can select. Henderson agents are classified as either independent or captive.
Independent Agents (or Brokers)
Independent insurance agents are not required to write business for one company so they have the ability to put coverage amongst many companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage without you having to go to a different agency.
When comparison shopping, you should always include price quotes from at least one independent agent to have the most options to choose from. Most have the option of insuring with different regional companies which can save you money.
The following is a list of independent insurance agents in Henderson who may be able to give you rate quotes.
- Henderson Insurance – 101 E Main St – Henderson, TX 75652 – (903) 657-5571
- Farm Bureau Insurance – 1315 Us Highway 79 N – Henderson, TX 75652 – (903) 657-4594
Captive Agents
Captive agents write business for a single company and examples are State Farm, AAA and Liberty Mutual. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. Captive agencies are trained well on the products they sell which helps them sell insurance even at higher premiums. Consumers sometimes choose to use a captive agent mainly due to high brand loyalty and the convenience of having all coverages with one company.
Listed below is a list of captive insurance agencies in Henderson that are able to give rate quotes.
- Farm Bureau Insurance – 1315 Us Highway 79 N – Henderson, TX 75652 – (903) 657-4594
- Farmers Insurance Group – 105 Southwood Dr – Henderson, TX 75654 – (903) 657-2533
To view a full list of Henderson captive insurance agents, go to this page.
Picking a car insurance agent requires more thought than just the premium amount. Any agent should have no problem answering these questions:
- Do they carry Errors and Omissions coverage?
- Does the agency provide any after hours assistance?
- How are claims handled?
- Do they have any clout with companies to ensure a fair claim settlement?
- Which insurance companies are they affiliated with?
- Is the agent and/or agency licensed to do business in Texas?
- Do the coverages you’re quoting properly cover your vehicle?
Once you have reasonable responses to your questions in addition to an acceptable price estimate, most likely you have located an insurance agency that will provide car insurance coverage.
Does buying direct online save money?
Professional insurance agents are important, but you also have the option of buying from companies direct over the internet. Certain companies, such as Farmers Insurance and State Farm, that are more known for using agents, also allow you to buy online, and that can save time if you are the do-it-yourself type.
If you’re anxious about having to choose coverages yourself when buying online, that is quite common when buying online the first time. All companies have customer service departments for getting the best coverage.
Does it save money buying online? Whether or not you’ll save is impossible to say because there are so many things that impact your final bill. Common sense would say that shopping online for auto insurance saves money because there is no agent involvement. For most companies selling online, however, there are very high advertising costs and that can quickly cost more than paying an agent.
In Summary
Affordable car insurance can be sourced on the web in addition to many Henderson insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
Drivers change insurance companies for a number of reasons such as denial of a claim, high rates after DUI convictions, high prices and even policy non-renewal. No matter why you want to switch, switching companies is not as difficult as it may seem.
More information is available on the Texas Department of Insurance website located here. Texas drivers can download brochures, discover disciplinary actions, and learn about specific coverages.
The following information may also be useful.