When buying car insurance in Wichita Falls, you have many choices and selecting the best Wichita Falls insurance agency for your needs takes more work than just making a phone call. We’re assuming you’re looking for an excellent agent, but you also want great rates as well.
With companies like State Farm, Allstate and many independent agents all competing for business in Wichita Falls, consumers have a hard time knowing which provider will have the best service and rates. To help decide, you can use online quoting to build a list of insurance agents and thier coverage prices.
Wichita Falls agents and online quotes
Professional agents can point out coverage gaps and help submit paperwork. The best thing about getting online price quotes is you may find lower rates and still have an agent to talk to. And providing support for local insurance agencies is important particularly in Wichita Falls.
After completing this short form, your insurance coverage information is transmitted to companies in Wichita Falls who will battle for your coverage. There is no reason to leave your computer due to the fact that quote results will go to your email. It doesn’t get any easier! You’ll get the best rates and work with a local agent.
Different types of Wichita Falls insurance agents
When looking for a local agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agents are either independent or captive.
Independent Agents
Independent insurance agents are not locked into one company so they can insure your vehicles amongst many companies depending on which coverage is best. If your agent finds better pricing, the business is moved internally and that require little work on your part.
When comparing rates, it’s a good idea to get quotes from at least one independent agent for maximum quote selection. They also have the ability to place coverage with smaller companies who may have lower rates.
Shown below are Wichita Falls independent agents that can give you rate quotes.
- Jerri Thomas Insurance – 2304 Midwestern Pkwy # 104b – Wichita Falls, TX 76308 – (940) 691-2601
- Laurie Thomas Agency – 2207 Brook Ave # B – Wichita Falls, TX 76301 – (940) 687-1119
- Prudential Insurance Co – 3415 Mcniel Ave # 102b – Wichita Falls, TX 76308 – (940) 692-3999
- Chambers Agency – 2708 Southwest Pkwy # 135a – Wichita Falls, TX 76308 – (940) 691-9555
- Amador Insurance Agency – 2604 9th St – Wichita Falls, TX 76301 – (940) 761-4145
Agency Captives
Captive agents can only write with one company and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. They are unable to compare other company’s rates so keep that in mind. Captive agents are trained well on the products they sell which can be an advantage. Consumers often buy from captive agents mostly because of loyalty to the company and the convenience of having all coverages with one company.
Shown below is a list of captive agents in Wichita Falls that are able to give comparison quotes.
- State Farm Insurance – 4245 Kemp Blvd # 718 – Wichita Falls, TX 76308 – (940) 696-7100
- Allstate Insurance – 2405 Kemp Blvd # A – Wichita Falls, TX 76309 – (940) 716-9299
- Farmers Insurance Group – 4140 Burkburnett Rd – Wichita Falls, TX 76306 – (940) 855-4921
For a full directory of captive insurance agents in Wichita Falls, please click here.
Selecting an auto insurance agent needs to be determined by more than just the price. Any agent should be forthright in answering these questions:
- How many years of experience in personal lines insurance coverages do they have?
- Do they receive special compensation for putting your coverage with one company over another?
- How much will you save each year by using a higher deductible?
- Is the agency involved in supporting local community causes?
- What insurance company do they write the most business with?
Once you have received answers to your satisfaction to all your questions in addition to an acceptable price estimate, it’s possible that you found a car insurance agent that can adequately provide car insurance.
How do online company rates compare?
Professional insurance agents are important, but Texas consumers also have the option to buy directly from online companies. Some companies who sell through the agent channel additionally provide the ability to get a quote and buy online. This is something to consider if the lowest rate is your goal.
If you’re concerned about not having an agent to talk to when buying online, that shouldn’t be an issue. Companies that allow you to purchase coverage provide customer service for getting the best coverage.
Can buying online lower your premiums? The answer is complex because there are so many things which can adversely affect your policy premium. You may think that buying online saves the cost of an agent commission. But truthfully, advertising budgets are huge and this tends to eat up any savings.
Final thoughts
When shopping online for car insurance, make sure you don’t skimp on coverage in order to save money. In too many instances, someone dropped liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage at the best price while still protecting your assets.
Cost effective car insurance is definitely available on the web and also from your neighborhood Wichita Falls agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not provide online quoting and these small, regional companies work with independent agents.
Texas car insurance information
Much more information about car insurance in Texas can be read on the Texas Department of Insurance website found here. Texas drivers can read state legal mandates and laws, read enforcement actions against agents and companies, and report car insurance fraud.
Other informative sites include this online resource for car insurance quotes in Texas and this link where you can get more info about Wichita Falls car insurance.