Overwhelmed by the sheer number of auto insurance company choices in Lufkin? You have a lot of company. People have so many options available that it can easily become a challenge to find the lowest price.
Auto Insurance Comparison Rates in Lufkin, Texas
Most major insurance companies such as State Farm, GEICO and Progressive allow you to get pricing online. Getting quotes is fairly straightforward as you simply enter the amount of coverage you want into a form. When the form is submitted, their rating system automatically retrieves information on your driving record and credit history and provides a quote based on these and other factors.
This makes it a lot easier to compare rates but the process of having to visit several different sites and complete many quote forms gets old quite quickly. But it is imperative to perform this step if you want to find better auto insurance pricing.
Isn’t there an easier way to compare rates?
The preferred way to find cheaper rates uses one simple form to obtain quotes from multiple companies. This type of form saves time, eliminates form submissions, and makes comparison shopping much more enjoyable and efficient. Once the form is submitted, it is quoted and you can select your choice of the price quotes you receive.
If you find a better price you simply finish the application and purchase coverage. It can be completed in a matter of minutes and you’ll know if lower rates are available.
To save time and find out how much you can save on auto insurance, click here and fill out the form. To compare your current rates, we recommend you type in deductibles and limits just like they are on your policy. Doing this guarantees you will receive a fair comparison based on identical coverages.
Discounts are basically free money
Insurance can cost an arm and a leg, but companies offer discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at quote time, but a few need to be specially asked for before being credited. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.
- No Claims – Drivers who don’t have accidents pay much less when compared to bad drivers.
- No Charge for an Accident – A handful of insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
- Memberships – Belonging to a civic or occupational organization could trigger savings when shopping for auto insurance.
- Good Student – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
- Anti-lock Brake System – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
- More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
- Seat Belts Save – Drivers who require all occupants to use a seat belt could save 15% off the personal injury premium cost.
- Save over 55 – Mature drivers may receive better auto insurance rates.
- Paperless Signup – Certain companies may give you up to $50 for buying a policy and signing up over the internet.
- Safety Course Discount – Successfully completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
As a disclaimer on discounts, most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as medical payments or collision. So when it seems like adding up those discounts means a free policy, auto insurance companies aren’t that generous. Any amount of discount will help reduce the cost of coverage.
To choose companies with the best auto insurance discounts in Texas, follow this link.
Lower your Lufkin Auto Insurance Rates
Consumers need to have an understanding of the rating factors that go into determining your auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.
- Extra add-on coverages are wasting money – There are quite a few extra coverages that you can buy on your policy. Coverages like roadside assistance, towing coverage and motor club memberships are some examples. They may seem good when you first buy your policy, but if you don’t need them get rid of them and save.
- Do you have enough liability coverage? – Liability insurance will protect you if you are found liable for personal injury or accident damage. Liability insurance provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
- Optional equipment can affect rates – Purchasing a vehicle with an alarm system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.
- Always keep insurance in force – Allowing your coverage to lapse is a fast way to trigger a rate increase. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a revoked license or a big fine.You may then be required to file a SR-22 with the Texas motor vehicle department.
- With age comes lower rates – Older drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Teenage drivers have a tendency to be careless and easily distracted behind the wheel and because of this, their auto insurance rates are much higher.
- Consolidate policies to earn discounts – Most companies give discounts to insureds who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. If you currently are using one company, it’s in your best interest to shop around to confirm you are receiving the best rates possible.
- Being married can save on auto insurance – Having a spouse can actually save you money on your policy. Having a significant other is viewed as being more mature and responsible and statistics show being married results in fewer claims.
- Battle of the sexes – The statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Women and men have accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also have more aggressive citations such as DWI and reckless driving.
Local Lufkin agents and auto insurance
A small number of people would prefer to visit with an insurance agent. Professional agents are trained to spot inefficiencies and help file insurance claims. The best thing about comparing insurance prices online is the fact that you can find lower rates and still have an agent to talk to. And providing support for local insurance agencies is important particularly in Lufkin.
To make it easy to find an agent, after completing this simple form, your insurance data is submitted to insurance agents in Lufkin who will return price quotes for your coverage. You don’t have to leave your house because quoted prices will be sent straight to your inbox. It doesn’t get any easier!
Best insurance agent in Lufkin
When looking for a good insurance agency, you must know there are a couple types of agencies that you can select. Agents are categorized either independent or captive. Both insure your vehicles, but it’s important to know how they are different since it can impact the type of agent you choose
Independent Agencies or Brokers
Independent agents are not employed by any specific company but rather can write business amongst many companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent.
When comparing rates, it’s recommended you get quotes from at least one independent agent to ensure the widest selection of prices. Many write coverage with smaller regional carriers which may provide better rates.
Shown below is a short list of independent insurance agencies in Lufkin that are able to give price quote information.
- Direct General Ins Agency – 518 S Chestnut St – Lufkin, TX 75901 – (936) 632-8100
- Sue Harris Agency – 4100 S Medford Dr # 200 – Lufkin, TX 75901 – (936) 634-8611
- Angelina Casualty Insurance – 107 N Timberland Dr # 209 – Lufkin, TX 75901 – (936) 639-1633
- Eas-Tex Insurance – 462 N Timberland Dr – Lufkin, TX 75901 – (936) 699-3572
Agency Captives
This type of agents are contracted to one company and examples are AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are unable to compare other company’s rates so keep that in mind. These agents are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from captives partially due to the prominence of the brand and the convenience of having a single billing for all their coverages.
The following are captive agents in Lufkin that can give you comparison quotes.
- Allstate Insurance – 320 S 2nd St – Lufkin, TX 75901 – (936) 634-1536
- Farmers Insurance Group – 2940 Ted Trout Dr – Lufkin, TX 75904 – (936) 875-2043
- State Farm Insurance – 1607 S Chestnut St – Lufkin, TX 75901 – (936) 634-0450
For a full directory of captive agencies in Lufkin, simply jump to this page.
Picking an auto insurance agent should depend on more than just the price. Any agent should have no problem answering these questions:
- Are claims handled at the agent’s location?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Does the company allow you to choose your own collision repair facility?
- Are they full-time agents?
- If your car is totalled, how to they determine the replacement cost?
- Do they make recommendations based only on price?
- How long has their agency been open in Lufkin?
After receiving acceptable answers to any questions you have and a low price estimate, you’ve probably found a car insurance agent that is a good match to adequately provide auto insurance.
Much more information about auto insurance in Texas is located on the Texas Department of Insurance website located here. Visitors are able to file complaints about an insurance agent or broker, download brochures, learn about specific coverages, and read industry bulletins.
In the end, you save
We covered a lot of tips how to shop for auto insurance online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the lowest priced auto insurance comes from an unexpected company.
Insureds change insurance companies for a variety of reasons including policy cancellation, lack of trust in their agent, poor customer service or even delays in responding to claim requests. Regardless of your reason for switching companies, switching companies is actually quite simple.
As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There have been many cases where consumers will sacrifice liability limits or collision coverage and discovered at claim time that they should have had better coverage. Your strategy should be to buy enough coverage at the best price while still protecting your assets.