When finding a good insurance agent in Mexia, Texas, we recommend you start your research on the internet in order to save time. It’s assumed you not only want a good agent that listens to you, but also the lowest possible price.
With insurance companies like Allstate, Farmers and State Farm as well as independent agents all competing for business in Mexia, it can be hard to know which will give you the best rates, service and coverage. Fortunately, consumers can use online quotes in order to build a list of insurance agents to choose from.
Online price comparisons from Mexia agents
Educated insurance agents can point out coverage gaps and help submit paperwork. The best thing about price shopping on the web is that you can obtain the best rates but still work with a licensed agent. And providing support for local agencies is important especially in Mexia.
By using this form (opens in new window), your information is submitted to local insurance agents in Mexia who will battle for your insurance coverage. You never need to drive around since price quotes are sent to the email address you provide. How’s that for easy!
Different types of car insurance agents in Mexia
When finding a reliable agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Mexia agents are classified as either independent or captive. Both types can insure your vehicles, but it’s important to know how they differ since it may influence your agent selection.
Independent Agencies or Brokers
Independent insurance agents are not required to write business for one company so they can insure your vehicles with any number of different companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally and you don’t have to find a new agent. When comparison shopping, you should always contact at a minimum one independent agency to have the most options to choose from.
The following is a list of independent agents in Mexia who can help you get price quote information.
Womack Insurance and Realty Svc – 107 E Commerce St – Mexia, TX 76667 – (254) 562-2884
Wilson Bob H Insurance Agency – 503 S Martin Luther King Jr Hw – Mexia, TX 76667 – (254) 562-7157
BOB Myers Agency – 827 E Milam St – Mexia, TX 76667 – (254) 562-5571
Wilson Bob H Insurance Agency – 503 S Martin Luther King Jr Hw – Mexia, TX 76667 – (254) 562-7157
Captive Agents
These agents can only place business with one company like Allstate, Farmers Insurance or State Farm. Captives cannot provide prices from multiple companies so always compare other rates. These agents are trained well on their products and sales techniques and that can be a competitive advantage.
Below is a short list of captive agencies in Mexia that are able to give price quote information.
State Farm Insurance – 1006 E Milam St – Mexia, TX 76667 – (254) 562-2652
For a full directory of Mexia captive agents, visit this site.
Choosing an insurance agent requires more thought than just a low price. Agents should be asked these questions:
- How much can you save by raising your physical damage deductibles?
- Does the agency have a good rating with the Better Business Bureau?
- How long has their agency been in business in Mexia?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Is the agent and/or agency licensed to do business in Texas?
- If you have an accident, will your rates go up?
Once you have positive feedback to any questions you have and locked in a price quote, you may have just found an auto insurance agent that will service your policy.
Buying auto insurance direct is an option
Licensed agents are perfect for certain consumers, but you also have the option of buying Texas car insurance from companies direct over the internet. Some companies like Allstate and State Farm that sell primarily through agents additionally provide the ability to buy online, so that should be considered if you want to do it yourself.
If you’re uneasy about not getting proper coverage, don’t sweat it. Online companies have toll-free phone numbers and other options to answer any questions you may have. You may also access the ability to chat online live with a sales rep and online research to help you make a buying decision.
Do online companies provide lower prices? That is a tough question to answer since there are many things that influence your rates. Some people think that purchasing direct online saves by not paying a commission. But truthfully, promoting brand recognition is pricey so this can offset any savings.
Some additional reading
More information is available on the website for the Texas Department of Insurance located here. Consumers can find out industry alerts, download brochures, find a variety of consumer forms, and file complaints about a company.
Online plus local equals savings
Cheap auto insurance is possible on the web in addition to many Mexia insurance agents, so you should be comparing quotes from both to have the best selection. A few companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.
As you restructure your insurance plan, it’s not a good idea to reduce coverage to reduce premium. In too many instances, an insured cut physical damage coverage and discovered at claim time that it was a big error on their part. Your strategy should be to get the best coverage possible at an affordable rate.