To find a licensed insurance agent in Lubbock, you can always start your research for and agent online rather than looking in the yellowpages. We’re assuming that not only do you want a decent agent, but you also need affordable coverage.
With companies like State Farm, Allstate and Farmers Insurance having offices in Lubbock, it can be hard to know which one will provide you with the best rates, service and coverage. To help decide, consumers can use insurance quotes online in order to build a list of agencies and price estimates.
Quote online but work with a neighborhood agent
Licensed agents can answer important questions and give you someone to call. The biggest benefit of comparing insurance prices online is you may find better rates and still choose a local agent. Buying from local insurance agencies is definitely important in Lubbock.
After filling out this simple form, your insurance coverage information is emailed to local insurance agents in Lubbock who will battle for your insurance coverage. There is no need to even leave your home due to the fact that quote results will go straight to your inbox. Get lower rates and an insurance agent to talk to.
Types of insurance agents
When looking for an insurance agent, you must know there are a couple different types of agents that differ in how they insure your property. Lubbock agents are classified as either captive or independent (non-captive).
Independent Agents (or Brokers)
Independent agents do not work for one specific company so they have the ability to put coverage with many different companies and potentially find a lower price. To transfer your coverage to a different company, your agent can switch companies and you won’t have to switch agencies.
When comparison shopping, you should always get quotes from several independent insurance agents to have the most options to choose from.They also have the ability to place coverage with different regional companies which can be an advantage.
Listed below is a list of independent agencies in Lubbock that are able to give price quotes.
- White Agency – 7612 Canton Ave – Lubbock, TX 79423 – (806) 748-9013
- Wolfforth Insurance – 7335 82nd St # 4 – Lubbock, TX 79424 – (806) 866-4247
- Texas General Agency Inc – 5722 37th St – Lubbock, TX 79407 – (806) 785-2337
- Insurance Consultants Agency – 508 N Granby Ave – Lubbock, TX 79416 – (806) 797-3152
Captive Insurance Agents
These agents have only one company to place business with and some examples include AAA, Allstate and State Farm. They are unable to give you multiple price quotes so always compare other rates. These agents are very knowledgeable on the products they sell which helps them compete with independent agents. Consumers frequently buy from captive agents mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.
Below are Lubbock captive insurance agents that are able to give rate quotes.
- Roddy Simmons State Farm – 3906 Avenue Q – Lubbock, TX 79412 – (806) 747-5759
- Allstate Insurance – 4935 Brownfield Hwy # A – Lubbock, TX 79407 – (806) 792-2966
- Farmers Insurance Group – 8004 Quaker Ave # E – Lubbock, TX 79424 – (806) 794-5746
To view a complete directory of Lubbock captive agents, please go to this site.
Deciding on a car insurance agent needs to be determined by more than just the price. Ask your prospective agent these questions:
- How long has their agency been in business in Lubbock?
- Are they full-time agents?
- Do the coverages you’re quoting properly cover your vehicle?
- What insurance company do they write the most business with?
- What will you get paid if your car is a total loss? How is that amount determined?
- How are they compensated?
- How much will you save each year by using a higher deductible?
After getting answers to your satisfaction for all questions you ask and a low price estimate, chances are good that you have found an insurance agent that will adequately provide car insurance. Just keep in mind once you purchase a policy you can cancel coverage at any point so don’t think that you’re stuck with your new company with no way to switch.
Different people need different coverages
When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different.
For example, these questions may help highlight whether or not your insurance needs will benefit from professional help.
- What is the difference between comprehensive and collision coverage?
- What are Texas no-fault laws?
- Can I rate high risk drivers on liability-only vehicles?
- Who is covered when they drive my vehicle?
- Does my liability insurance cover pulling a trailer or camper?
- Does my policy pay for OEM or aftermarket parts?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent.
Final thoughts
When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. Too many times, someone dropped physical damage coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find for the lowest price while still getting proper protection
Cheaper car insurance can be found from both online companies in addition to most Lubbock insurance agents, and you need to price shop both to have the best rate selection. Independent agents work with many small mutal insurance companies who do not offer you the ability to get quotes online.
More information can be read on the Texas Department of Insurance website. Click here for link. Consumers can get help finding coverage, read industry bulletins, and read state legal mandates and laws. Also read more on Texas car insurance quotes and this list of insurance agents in Lubbock.