Finding good auto insurance in Killeen can be challenging since picking a good Texas insurance agent is more difficult than just randomly choosing from the yellow pages. You require a professional agent, and also the best price on auto insurance.
Insurance companies such as State Farm, GEICO and Farmers Insurance all claim big savings with ads and it is difficult to ignore the flashy ads and do the work needed to find the best deal.
Online quotes with a local Killeen insurance agent
Educated insurance agents can help determine the best coverages and give you peace of mind. The best thing about comparing insurance prices online is that you can obtain lower rates and still have an agent to talk to.
Once you complete this simple form, your information is submitted to insurance agents in Killeen who will battle for your coverage. You never need to leave your house due to the fact that quote results will go to the email address you provide. How’s that for easy! You’ll get the best rates and an insurance agent to talk to.
Picking a car insurance agent needs to be determined by more than just the bottom line cost. Here are some questions to ask:
- Are there any discounts that you might be missing?
- Will your rates increase after a single accident?
- Do they specialize in personal lines coverage?
- How are they compensated?
- What insurance companies do they recommend if they are an independent agent?
- Who is covered by the car insurance policy?
- Which company do they place the most coverage with?
- Does the agent have professional designations like CIC, CPCU or AIC?
How to choose the best car insurance agent in Killeen
When researching local Killeen agents, you need to know there are two types of insurance agents from which to choose. Agencies in Killeen are categorized either independent (non-captive) or captive.
Captive Insurance Agents
These agents can only place business with one company and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. Captives cannot shop your coverage around so it’s a take it or leave it situation. Captive agencies are well schooled in insurance sales which can be an advantage. Consumers frequently buy from captive agents mostly because of high brand loyalty and the convenience of having a single billing for all their coverages.
Listed below are Killeen captive insurance agents that are able to give rate quotes.
- Farm Bureau Insurance – 4200 E Stan Schlueter Loop # D – Killeen, TX 76542 – (254) 690-7111
- State Farm Insurance – 412 W Veterans Memorial Blvd – Killeen, TX 76541 – (254) 634-3926
- Allstate Insurance – 4400 E Central Texas Expy # C – Killeen, TX 76543 – (254) 699-2100
Independent Agencies or Brokers
Independent insurance agents are not required to write business for one company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies.
When comparison shopping, it’s a good idea to include several independent insurance agents to ensure the widest selection of prices. Most have the option of insuring with smaller regional carriers who may have lower rates.
Shown below is a short list of independent agencies in Killeen that are able to give price quotes.
- Texas State Low Cost Insurance – 600 N Fort Hood St – Killeen, TX 76541 – (254) 526-5900
- Hillard Insurance Agency – 807 N 8th St – Killeen, TX 76541 – (254) 634-2661
- Larry Weiss Agency – 2302 W Stan Schlueter Loop – Killeen, TX 76549 – (254) 554-5252
- Owen Brit Insurance – 4300 Chantz Dr – Killeen, TX 76542 – (254) 680-7710
For a full directory of licensed insurance agents in Killeen, click here to link.
After getting positive feedback to your questions as well as a affordable price, it’s possible that you found an insurance agent that meets your needs to insure your vehicles.
Is buying direct online an option?
Auto insurance agents are indespensible for some people, but you can also find affordable Texas auto insurance directly from online companies. Some companies that are more known for using agents, also permit you to get quotes and purchase online, so that should be considered if you are the do-it-yourself type.
If you’re uneasy about whether or not you’ll have guidance when buying car insurance direct, this is expected but don’t let that bother you. All companies have toll-free phone numbers and other options to answer your questions.
The only way to know if prices are better online or from an agent is to compare price quotes from both. Lots of times people will get different prices when getting a price from both an agent and online from exactly the same company.
Does car insurance cost less online? The answer is complex due to the fact that there are multiple individual factors that impact your premium. Common logic is that purchasing direct online saves by not paying a commission. For the majority of companies, however, marketing their products costs a lot of money and that impacts the rates consumers pay.
More consumer information in Texas
More tips and info about auto insurance can be read at the Texas Department of Insurance website. Texas consumers can find a variety of consumer forms, read state legal mandates and laws, and learn about insurance regulations.
Summing up your auto insurance search
When trying to cut insurance costs, it’s very important that you do not sacrifice coverage to reduce premiums. In many instances, an insured dropped uninsured motorist or liability limits only to regret that the savings was not a smart move. The proper strategy is to buy the best coverage you can find for the lowest price, not the least amount of coverage.
Insureds change insurance companies for any number of reasons including being labeled a high risk driver, unfair underwriting practices, delays in responding to claim requests or extreme rates for teen drivers. Regardless of your reason, finding a new company can be pretty painless.