Finding good auto insurance in Lufkin can be challenging since picking a good Texas insurance agent is more difficult than just randomly choosing from the yellow pages. Consumers require a good agent, but also need competitive auto insurance rates.
Many car insurance agents vie for your hard-earned dollar, and because of this it can be hard to compare auto insurance agents to discover the definitive cheapest price
Buying car insurance locally
Agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of price shopping on the web is the fact that you can find better rates and still have an agent to talk to.
To make it easy to find an agent, after completing this quick form, your insurance coverage information is instantly submitted to agents in your area who will battle for your business. There is no reason to leave your house since price quotes are sent immediately to your email address. Now that’s easy! Get lower rates AND an agent nearby.
Selecting a car insurance agent needs to be determined by more than just a low price. Ask your prospective agent these questions:
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they regularly work with personal auto policies?
- How often do they review policy coverages?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they carry Errors and Omissions coverage?
- What insurance company do they write the most business with?
- Are you getting all the discounts the company offers?
- Can glass repairs be made at your home?
Pick the best insurance agency in Lufkin for you
When searching for an insurance agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Agencies in Lufkin are categorized either captive or independent.
Agency Captives
Captive agencies can only write with one company and some examples include State Farm, Allstate and AAA. Captives cannot shop your coverage around so they have no alternatives for high prices. Captives are well schooled on their company’s products and that can be a competitive advantage. Consumers sometimes choose to use a captive agent mostly because of loyalty to the company and the convenience of having a single billing for all their coverages.
Shown below is a short list of captive agents in Lufkin that can give you rate quotes.
- State Farm Insurance – 3006 S 1st St # A – Lufkin, TX 75901 – (936) 633-5591
- Allstate Insurance – 320 S 2nd St – Lufkin, TX 75901 – (936) 634-1536
- Farmers Insurance Group – 113 Gaslight Blvd – Lufkin, TX 75904 – (936) 632-1106
Independent Agents (or Brokers)
Independent agencies do not work for one specific company so they have the ability to put coverage amongst many companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies and that require little work on your part.
When comparing rates, it’s a good idea to include price quotes from several independent insurance agents for the best price selection. Most have the option of insuring with lesser-known insurance companies which can save you money.
Shown below is a short list of independent agents in Lufkin that are able to give rate quotes.
- John Hawkins Insurance – 1609 S Chestnut St # 201 – Lufkin, TX 75901 – (936) 634-3896
- Sue Harris Agency – 4100 S Medford Dr # 200 – Lufkin, TX 75901 – (936) 634-8611
- Direct General Ins Agency – 518 S Chestnut St – Lufkin, TX 75901 – (936) 632-8100
- Davis Insurance Co – 3110 S 1st St – Lufkin, TX 75901 – (936) 634-2291
To view a complete directory of licensed insurance agents in Lufkin, go to this page.
Once you have received answers to your satisfaction as well as a affordable price, it’s possible that you found a car insurance agent that is a good match to adequately provide auto insurance.
Can you buy online and save?
Professional insurance agents can be invaluable at times, but you also have the option of buying Texas car insurance direct online. A few companies that sell primarily through agents also allow consumers to get a quote and buy online, and that can save time if you want to do it yourself.
If you’re anxious about whether or not you’ll have guidance, this is normal but is quickly overcome. Online companies provide access to licensed agents for customer questions.
Do people save by buying online? It’s hard to say exactly since there are many things that impact your premium. It would make sense to think that a customer who purchases direcly from an online company saves money because there is no commission. For the majority of companies, however, there are high advertising and marketing costs so this can offset any savings.
Smart consumers save more
Low-cost auto insurance is available from both online companies in addition to many Lufkin insurance agents, so you should compare both to have the best chance of lowering rates. Some auto insurance companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.
As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. In many instances, an insured dropped physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage at the best price while still protecting your assets.
Some additional reading
Even more information can be found at the Texas Department of Insurance website. Texas consumers can read industry bulletins, download brochures, and read state legal mandates and laws.