Having to pay for overpriced auto insurance can dwindle your checking account and make it impossible to make ends meet. Doing a price comparison is a great way to tighten up your finances.
Numerous insurers battle for your business, so it’s not easy to compare every insurance company to get the lowest cost out there.
Compare the Market for Auto Insurance in Sulphur Springs, TX
There are several ways of comparing price quotes and find the best price. The simplest method to find competitive insurance rates consists of shopping online. This can be done in several different ways.
- The fastest way to get quotes is an all-inclusive rate comparison click here to open form in new window. This method saves time by eliminating separate forms to each individual auto insurance company. One form submission compares rates from multiple companies.
- A more difficult way to find lower rates consists of visiting the website of each company and request a quote. For example, we’ll pretend you want comparison quotes from GEICO, Esurance and Progressive. You would have to visit each site to input your insurance information, which is why the first method is quicker.
For a list of links to companies insuring cars in Sulphur Springs, click here.
- The least recommended way of getting rate comparisons is to spend time driving to local Sulphur Springs insurance agencies. The internet can eliminate the need for a local agent unless you require the trained guidance of a local Sulphur Springs agent. You can, however, price shop your coverage online but still have the advice of a local agent. We’ll cover that shortly.
It’s up to you which method you use, but make sure you use apples-to-apples deductibles and coverage limits for every quote you compare. If your comparisons have different liability limits you will not be able to decipher which rate is best in Sulphur Springs. Slightly different coverages can make a big difference in price. Just remember that having more price comparisons will increase your chances of finding the best price.
What coverages do I need?
When choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help you determine if you will benefit from professional help.
- How many claims can I have before being cancelled?
- Is a new car covered when I drive it off the dealer lot?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Is my teen driver covered when they drive my company car?
- Will my rates increase for filing one claim?
- How can I get high-risk coverage after a DUI?
- Am I covered when pulling a rental trailer?
- I don’t drive much so do I pay less?
If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.
Local Sulphur Springs agents and auto insurance
Some consumers prefer to sit down with an agent and that is a personal choice. One of the great benefits of price shopping on the web is the fact that you can find lower rates and still have an agent to talk to.
For easy comparison, once you complete this quick form, your insurance data is emailed to insurance agents in Sulphur Springs who will return price quotes for your insurance coverage. There is no reason to leave your computer as quotes are delivered straight to your inbox. Now that’s easy! You can find better rates and work with a local agent.
Picking an provider shouldn’t rely on just the price. Some important questions to ask are:
- What are the financial ratings for the companies they represent?
- If they are an independent agency, which companies do they recommend?
- 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?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Sulphur Springs auto insurance agents come in two flavors
When finding a good Sulphur Springs insurance agent, you need to know there are two types of insurance agents to choose from. Agents can either be independent or captive.
Captive Insurance Agents
These agents are contracted to one company and some examples include AAA, Allstate and State Farm. These agents are unable to give you multiple price quotes so they have no alternatives for high prices. These agents are trained well in insurance sales which can be an advantage.
The following is a short list of captive insurance agencies in Sulphur Springs that can give you price quotes.
State Farm Insurance – 1513 Houston St – Sulphur Springs, TX 75482 – (903) 439-0935
Farm Bureau Insurance – 233 College St – Sulphur Springs, TX 75482 – (903) 885-6561
Allstate Insurance – 1217 S Broadway St # D – Sulphur Springs, TX 75482 – (903) 885-5301
Independent Agencies or Brokers
Independent agencies are not locked into one company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and that require little work on your part.
When searching for an agent, it’s a good idea to include multiple independent agents for maximum quote selection.
The following is a list of independent insurance agents in Sulphur Springs that can give you price quotes.
Wilemon Insurance – Highway 19 – Sulphur Springs, TX 75482 – (903) 485-2337
Gideon Insurance Agency – 213 Main St – Sulphur Springs, TX 75482 – (903) 885-5562
Paul G Stewart Insurance – 862 Gilmer St – Sulphur Springs, TX 75482 – (903) 885-8336
To view a full list of Sulphur Springs insurance agents, please go to this site.
Upon receiving acceptable answers to any questions you have and a low price estimate, chances are good that you have found an insurance agency that will service your policy.
Consumer auto insurance information in Texas
More tips and info about auto insurance is available at the Texas Department of Insurance website. Visitors are able to find disaster information, find out which companies have the most complaints, download brochures, and read state legal mandates and laws.