When finding a licensed insurance agent in Decatur, we recommend you start your search online rather than looking in the yellowpages. It’s likely you’re wanting a decent agent, but you also need the best rates possible.
With companies like Allstate, Farmers, State Farm and many independent agents all competing for business in Decatur, it’s hard to tell which will have the best rates, service and coverage. Thankfully, consumers can use online quoting in order to build a list of insurance agents to choose from.
Compare online but buy from a local Decatur agent
Insurance agents can point out coverage gaps and help in the event of a claim. The best thing about getting online price quotes is you can get better rates but also keep your business local. Buying from local insurance agencies is especially important in Decatur.
After filling out this simple form, your coverage information is sent to participating agents in Decatur who will battle for your insurance coverage. There is no reason to leave your computer because quoted prices will be sent straight to your inbox. How’s that for easy! It’s the lowest rates AND an agent nearby.
Not all insurance agencies are the same
When looking for a local agent, there are a couple of types of agencies that you can select. Agencies in Decatur are either independent or captive.
Independent Insurance Agents
Independent insurance agents are not employed by any specific company so they can insure your vehicles with many different companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part. When comparing rates, you should always contact at least one independent agent to have the most options to choose from.
Below is a list of independent insurance agents in Decatur who can help you get competitive price quotes.
Allied Agency – 103 N State St – Decatur, TX 76234 – (940) 627-5000
Innovative Insurance Solution – 708 W Shoemaker St – Decatur, TX 76234 – (940) 627-5060
Richard Black Insurance – 902 S Us 81-287 – Decatur, TX 76234 – (940) 627-7822
Captive Agents
This type of agents work for only one company such as AAA, State Farm, Farmers Insurance and Allstate. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Captives are well schooled in insurance sales which helps them sell insurance even at higher premiums.
The following are Decatur captive agents who can help you get price quotes.
Farmers Insurance Group – 1716 Highway 51 S – Decatur, TX 76234 – (940) 627-9299
For a full directory of auto insurance agents in Decatur, visit this site.
Selecting an insurance agent needs to be determined by more than just the bottom line cost. Some important questions to ask are:
- Did they already check your driving record and credit reports?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Does the company allow you to choose your own collision repair facility?
- How long has their agency been in business in Decatur?
- What will you get paid if your car is a total loss? How is that amount determined?
- Can glass repairs be made at your home?
Upon receiving reasonable responses to all your questions and a good coverage price, chances are good that you have found a car insurance agent that can adequately provide auto insurance.
Online companies are an option
Auto insurance agents are perfect for certain consumers, but you also have the option of buying Texas car insurance direct over the internet. Some car insurance companies who employ agents also permit you to get quotes and purchase online, so this should also be taken into consideration as an alternative to contacting agents.
If you’re apprehensive about not having an insurance agent’s advice, this is expected but don’t let that bother you. Online insurance companies provide access to licensed agents for getting questions answered.
Is it cheaper to buy online? It’s hard to say exactly since there are so many factors that are calculated into your premium. It’s a logical assumption that buying direct saves the cost of an agent commission. But in most cases, it’s expensive to advertise and that can cost more than having to pay agents.
The only method to determine who has the best rates, online companies or local insurance agents, is making fair comparisons of each of their rates. Even though it sounds odd, people frequently get different pricing from online quotes as compared to agent rates from the exact same provider. But you won’t know which is cheaper unless you actually compare identical quotes for both.
Online plus local equals savings
People switch companies for a number of reasons such as denial of a claim, an unsatisfactory settlement offer, high prices or high rates after DUI convictions. It doesn’t matter what your reason, finding a great new company is not as hard as you think.
As you shop your coverage around, do not buy less coverage just to save a little money. There have been many situations where an accident victim reduced liability limits or collision coverage and learned later that they should have had better coverage. The aim is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.
More information is available on the website for the Texas Department of Insurance found here. Visitors are able to learn about insurance regulations, find out industry alerts, and get help finding coverage.
The articles below may also help you learn more about auto insurance in Decatur