When searching for a licensed insurance agent in Round Rock, you can start your search on the web rather than picking up the phone. Consumers require a decent agent, but also need cheap rates.
Insurance companies such as State Farm, Allstate, GEICO and Progressive all claim big savings, bombarding you with advertising and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.
Car Insurance through a local Round Rock agent
Educated insurance agents are trained to spot inefficiencies and give you someone to call. The best thing about comparing rates online is that you can obtain the best rates but still work with a licensed agent.
After filling out this quick form, your insurance coverage information is sent to participating agents in Round Rock who will give you bids for your insurance coverage. You never need to leave your computer due to the fact that quote results will go immediately to your email address. How cool is that?! It’s the lowest rates AND an agent nearby.
Picking an insurance agency shouldn’t rely on just a low price. Agents should be asked these questions:
- Do they assist clients in filing claims?
- Do the coverages you’re quoting properly cover your vehicle?
- Which insurance companies are they affiliated with?
- How long has their agency been open in Round Rock?
- Do they specialize in personal lines coverage?
The type of car insurance agent you choose is important
When searching for a local agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Agencies in Round Rock are classified as either captive or independent (non-captive).
Captive Insurance Agents
Captive agents can only write with one company and some examples include State Farm, AAA and Liberty Mutual. They are unable to provide prices from multiple companies so they have no alternatives for high prices. Captive agents receive extensive training on the products they sell and that can be a competitive advantage. Some people will only buy from captive agents primarily because of the prominence of the brand and strong financial ratings.
Shown below is a short list of captive agencies in Round Rock that can give you rate quotes.
- Allstate Insurance – 2000 N Mays St # 117 – Round Rock, TX 78664 – (512) 828-3011
- Liberty Mutual Insurance – 2000 S I H 35 # K2 – Round Rock, TX 78681 – (512) 244-3391
- State Farm Insurance – 505 E Palm Valley Blvd # 230 – Round Rock, TX 78664 – (512) 671-3739
Independent Agents (or Brokers)
Independent insurance agents are not employed by any specific company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent. When comparison shopping, it’s a good idea to contact at a minimum one independent agency to have the most options to choose from. Many write coverage with lesser-known insurance companies which can save you money.
Shown below are independent agencies in Round Rock willing to provide comparison quotes.
- Harris Insurance – 2251 Double Creek Dr # 101 – Round Rock, TX 78664 – (512) 716-5000
- Hilton Jr Farmers Agency – 2801 Oakmont Dr # 1000 – Round Rock, TX 78664 – (512) 345-7599
- Titan Auto Insurance – 1728 N Mays St – Round Rock, TX 78664 – (512) 388-6329
- David Morris Agency – 206 W Main Ave – Round Rock, TX 78664 – (512) 238-9355
For a full directory of insurance agents in Round Rock, go to this page.
Once you have positive feedback to these questions and an affordable coverage quote, most likely you have located an auto insurance agent that is a good match to adequately provide auto insurance.
What if I want to shop online?
Local insurance agents are a valuable resource, but Texas drivers can also buy from online companies direct. Some car insurance companies, such as State Farm, Allstate and Farmers, who employ agents also let you buy online, so keep that in mind.
If you’re uneasy about not getting advice from an agent when buying car insurance direct, don’t be too concerned. Online companies that require consumers to choose their own coverages have customer service departments for getting advice on proper coverages. Also available are online help and live chat you can access prior to buying.
Can you find lower rates online? That is a tough question to answer due to the large number of individual components that are calculated into your premium. It’s a common assumption that shopping online for auto insurance saves by not paying a commission. For most online online companies, however, marketing expenses are significant so rates may not be all that different from traditional agents.
Do the work, save more money
Insureds change insurance companies for many reasons like an unsatisfactory settlement offer, questionable increases in premium, extreme rates for teen drivers or even high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.
The cheapest auto insurance can be found on the web in addition to many Round Rock insurance agents, so you should compare both to have the best selection. Some companies do not provide the ability to get a quote online and these regional insurance providers work with independent agents.
Learn more about auto insurance in Texas
Additional detailed information can be read at the Texas Department of Insurance website. Visitors are able to learn about insurance regulations, read state legal mandates and laws, find out which companies have the most complaints, and download brochures.