Finding good car insurance in Waxahachie can be challenging since you have many choices and selecting the best Waxahachie car insurance agent for your needs takes more work than just randomly choosing from the yellow pages. You need a good agent, but also the lowest rates in Waxahachie.
Because you have many car insurance companies to choose from, it can be diffult for consumers to find the right insurance company.
Buying car insurance from a local Waxahachie agent
Professional agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of comparing rates online is you may find lower rates and still choose a local agent.
To help locate an agent, after submitting this form (opens in new window), the quote information is immediately sent to insurance agents in Waxahachie who will battle for your coverage. There is no reason to leave your house because quoted prices will be sent to your email. It doesn’t get any easier!
Selecting an auto insurance agent shouldn’t rely on just the price. Some important questions to ask are:
- Is vehicle damage repaired with OEM or aftermarket parts?
- Is the agent and/or agency licensed to do business in Texas?
- Can they give you a list of client referrals?
- Are claims handled at the agent’s location?
- Does the agency provide any after hours assistance?
Captive or Independent: There is a difference
If you’re trying to find a reputable insurance agent or broker, you need to know there are two types of insurance agents from which to choose. Agents are classified as either independent or captive. While both can insure your vehicles, but it’s worth learning the differences since it may influence buying decisions.
Agency Captives
Captive insurance agents can only place business with one company such as State Farm or Allstate. Captives cannot provide prices from multiple companies so always compare other rates. Captives are well schooled on their company’s products which helps them sell insurance even at higher premiums. Some consumers prefer to buy insurance from these agents partially due to loyalty to the company and solid financial strength.
The following is a short list of captive agencies in Waxahachie that can give you price quote information.
- State Farm Insurance – 117 N Highway 77 – Waxahachie, TX 75165 – (972) 937-5474
- Allstate Insurance – 1302 N Highway 77 # 102 – Waxahachie, TX 75165 – (972) 938-7634
Independent Insurance Agents
Independent agencies are not employed by any specific company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, the business is moved internally without you having to go to a different agency.
When comparison shopping, it’s recommended you get quotes from at a minimum one independent agency for maximum quote selection.Most can insure with smaller regional carriers which can be an advantage.
Listed below is a list of independent insurance agents in Waxahachie that can give you price quote information.
- Jack Scott Insurance – 138 N Highway 77 – Waxahachie, TX 75165 – (972) 938-8810
- Reyes and Reyes Insurance Inc – 507 Ferris Ave – Waxahachie, TX 75165 – (972) 351-9977
For a full directory of insurance agents in Waxahachie, please view this page.
After getting satisfactory answers to these questions and locked in a price quote, you may have just found an auto insurance agent that meets your needs to properly insure your vehicles.
What about online companies that don’t sell through insurance agents?
Insurance agents are important to many people, but Texas consumers also have the option to buy direct from companies online. Some specific companies like State Farm and Allstate that sell primarily through agents also give you the option to buy direct online, so that should be considered as an alternative to contacting agents.
If you’re concerned about not receiving proper advice when buying car insurance direct, don’t let it bother you. Companies provide toll-free numbers that you can contact for information. They also make available online education and live help anytime to help you answer questions.
Is online auto insurance cheaper? Many people swear by it, but it’s difficult to answer because there are a lot of things that impact your rate calculation. It’s a common assumption that purchasing direct online cuts out the agent as a middleman. But in reality, getting their brand in front of customers is expensive and that can quickly cost more than paying an agent.
And the best car insurance company is…
Cost effective car insurance can be sourced both online and also from your neighborhood Waxahachie agents, and you need to price shop both to have the best selection. Some car insurance companies may not provide online price quotes and most of the time these small, regional companies sell through independent agents.
While you’re price shopping online, do not reduce needed coverages to save money. There have been many situations where an accident victim reduced collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to purchase plenty of coverage for the lowest price.
More detailed Texas car insurance information can be read at the Texas Department of Insurance website. Consumers can view agent and company licensing information, file complaints about an insurance agent or broker, read consumer alerts, and read state legal mandates and laws.