When pricing car insurance in Dayton, TX, selecting the best Dayton insurance agent for your needs takes more work than just driving to the closest agent’s office. Consumers need a competent insurance agent, and also want to find the best possible price.
Because there are so many different company options, it’s difficult to locate the lowest cost provider.
Online price comparisons from Dayton agents
Professional agents can point out coverage gaps and help submit paperwork. One of the great benefits of comparing insurance prices online is that you can obtain better rates but also keep your business local.
Upon completion of this form (opens in new window), your coverage information is immediately sent to participating agents in Dayton who will return price quotes for your insurance coverage. There is no reason to leave your computer due to the fact that quote results will go immediately to your email address. How cool is that?!
Deciding on an auto insurance agent requires more thought than just a low price. Here are some questions to ask:
- How are claims handled?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- If you are a high risk driver, do they have special markets for your coverage?
- If you have an accident, will your rates go up?
- Which company do they place the most coverage with?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Types of insurance agents
When finding a reliable agent, there are a couple of different agency structures to choose from. Agents are either independent or captive. While both can insure your vehicles, but it’s worth learning the differences because it can influence the type of agent you choose
Captive Insurance Agents
This type of agents are contracted to one company such as American Family, Liberty Mutual and AAA. They generally cannot place coverage with different providers so they have no alternatives for high prices. These agents receive extensive training on the products they sell which helps them sell insurance even at higher premiums.
Shown below are captive insurance agents in Dayton who may provide you with rate quotes.
Allstate Insurance – 104 E Clayton St – Dayton, TX 77535 – (936) 258-0101
State Farm Insurance – 201 E Clayton St – Dayton, TX 77535 – (936) 258-8218
Independent Agents
Independent insurance agents are not required to write business for one company so they have the ability to put coverage amongst many companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part.
When comparison shopping, we recommend you include price quotes from at least one independent agent to ensure the widest selection of prices.
Listed below are Dayton independent insurance agents that can give you price quote information.
Arnold Randel Insurance – 100 W Clayton St – Dayton, TX 77535 – (936) 258-7603
Holt Insurance – 4009 N Cleveland St – Dayton, TX 77535 – (936) 258-5529
For a full directory of insurance agents in Dayton, visit this site.
Once you have received acceptable answers for all questions you ask and an acceptable price quote, you’ve probably found an insurance agent that is a good match to properly insure your vehicles.
Isn’t it cheaper to buy direct online?
Car insurance agents are important to many people, but Texas car insurance can also be bought direct over the internet. Some specific companies, such as Farmers Insurance and State Farm, that are more known for using agents, also permit you to get quotes and purchase online, and online price comparisons are easy if you are the do-it-yourself type.
If you’re uneasy about not getting proper coverage when buying car insurance direct, that shouldn’t be an issue. Insurance companies have toll-free phone numbers and other options you can use to get advice on coverages. They also offer extensive coverage information and 24/7 assistance you can access prior to buying.
Will auto insurance cost less online? That question is hard to answer because there are many components that influence the price you pay. It’s a common assumption that buying car insurance online reduces premiums because there is no agent. In reality, there are very high advertising costs so there may not be significant savings.
Better coverage you can count on
Budget-conscious car insurance is definitely available online and also from your neighborhood Dayton agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.
As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced liability limits or collision coverage only to regret that they should have had better coverage. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.
Texas car insurance information
Even more information can be read at the Texas Department of Insurance website. Texas drivers can report car insurance fraud, discover disciplinary actions, and read enforcement actions against agents and companies.
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