If you’re trying to find a good Waco agent, you can start your research by comparing rates online instead of making phone calls. It’s likely you’re wanting a good agent that listens to you, but you also want to find affordable coverage.
With insurance companies like Allstate, Farmers and State Farm as well as independent agents all competing for business in Waco, it’s hard to tell which provider will have the best rates, service and coverage. To help decide, it’s easy to use online quoting to get a list of insurance agents and thier coverage prices.
Local Waco auto insurance agents
Educated insurance agents can point out coverage gaps and help you file claims. One of the best bonuses of comparing rates online is that you can obtain the lowest rates and still choose a local agent. And providing support for small agencies is important particularly in Waco.
To make it easy to find an agent, after completing this quick form, your coverage information is instantly submitted to participating agents in Waco who will battle for your coverage. There is no reason to leave your house as quotes are delivered directly to your email. It doesn’t get any easier!
Waco insurance agencies are either independent or captive
When looking for a good insurance agency, you need to know there are two types of insurance agents from which to choose. Waco agents are classified as either independent (non-captive) or captive. While both can do a good job, but it’s good to learn the difference between them because it can influence the type of agent you choose
Independent Agencies or Brokers
These agents do not work for one specific company so they can insure your vehicles with any number of different companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house and you won’t have to switch agencies.
When shopping rates, it’s a good idea to include at least one independent agent to get the best comparison.
Shown below are independent agencies in Waco that may be able to provide comparison quotes.
Harold Cobb Agency – 6801 Sanger Ave # 235 – Waco, TX 76710 – (254) 772-4877
Insurcorp Agency Inc – 2029 Washington Ave – Waco, TX 76701 – (254) 754-2386
Scott Riddle Agency – 1105 Wooded Acres Dr # 15 – Waco, TX 76710 – (254) 772-8863
Mark Bailey Insurance – 6515 Sanger Ave # 17 – Waco, TX 76710 – (254) 772-0060
Ross Insurance – 425 Austin Ave # 1401 – Waco, TX 76701 – (254) 755-7160
Captive Insurance Agents
Captive agencies have only one company to place business with like State Farm, AAA, Farmers Insurance or Allstate. They generally cannot compare other company’s rates so keep that in mind. These agents are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums.
Below are captive agencies in Waco willing to provide comparison quotes.
Allstate Insurance – 6801 Sanger Ave # 106 – Waco, TX 76710 – (254) 772-4848
State Farm Insurance – 1620 W Loop 340 # C – Waco, TX 76712 – (254) 772-5481
Farmers Insurance Group – 4708 W Waco Dr – Waco, TX 76710 – (254) 776-9595
Farm Bureau Insurance – 320 W Loop 340 – Waco, TX 76712 – (254) 772-8090
For a full directory of auto insurance agents in Waco, visit this site.
Deciding on an auto insurance agent should depend on more than just the premium amount. These are valid questions to ask:
- What insurance companies do they work with?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they regularly work with personal auto policies?
- Is assistance available after office hours?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they make recommendations based only on price?
After receiving reasonable responses for all questions you ask in addition to an acceptable price estimate, most likely you have located an auto insurance agent that can insure your vehicles.
Alternatives to local agents
Insurance agents serve a purpose, but you also have the option of buying Texas car insurance from online companies direct. A few companies, such as State Farm, Allstate and Farmers, who have local Waco agents also give you the ability to buy online, and consumers should do that if the lowest rate is your goal.
If you’re anxious about whether or not you’ll have guidance when buying car insurance direct, that should not be a issue. All companies provide toll-free numbers to answer any questions you may have. You may also access a frequently asked questions page to clarify any questions you may have.
Will you save money buying auto insurance online? Many people swear by it, but it’s difficult to answer due to the fact that there are multiple individual factors that impact your rate calculation. It’s a common assumption that buying online saves by not paying a commission. But the fact is, there are very high advertising costs and that can quickly cost more than paying an agent.
The only way to determine if prices are better online or from an agent is to set aside time to compare rates from both. You could possible even receive different price quotes returned by the same company depending on if you quote online or with an agent.
Additional auto insurance information can be read on the website for the Texas Department of Insurance. Click here for link. Texas drivers can learn about insurance regulations, get help finding coverage, and report car insurance fraud.
Final thoughts
As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. There have been many situations where an insured dropped liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at the best price, not the least amount of coverage.
Consumers change insurance companies for a variety of reasons including policy non-renewal, high prices, policy cancellation or even denial of a claim. Regardless of your reason for switching companies, finding the right auto insurance provider is actually quite simple.