Comparing car insurance companies in Midlothian, Texas can be challenging because there are a lot of options and selecting the best Midlothian car insurance agent for your needs is harder than just using the same insurance agency as your neighbor. Chances are good you’re looking for a competent insurance agent, but you also need the lowest possible price.
With State Farm, Allstate and Farmers Insurance all competing for your business, it’s hard to tell which provider will provide you with the best rates, service and coverage. Fortunately, consumers can get insurance quotes online to build a list of agents and thier coverage prices.
Comparing rates from local agents
Professional agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of price shopping on the web is the fact that you can find the lowest rates but still work with a licensed agent. And providing support for small agencies is important especially in Midlothian.
After filling out this simple form, your insurance data is immediately sent to local insurance agents who will compete for your insurance coverage. There is no need to visit any agencies because quoted prices will be sent to your email. It doesn’t get any easier!
Types of insurance agents in Midlothian
When finding an insurance agent, you need to know there are two different agency structures that you can select. Agencies in Midlothian are categorized either captive or independent (non-captive). Both types can write coverage properly, but it’s important to know how they are different because it can influence buying decisions.
Independent Insurance Agents
Independent agencies are not required to write business for one company so they can insure your vehicles with many different companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part.
When comparison shopping, we recommend you get quotes from at a minimum one independent agency for the best price selection. They also have the ability to place coverage with lesser-known insurance companies which can save you money.
Listed below is a short list of independent insurance agents in Midlothian that may be able to provide competitive price quotes.
- Jeff Honeycutt Insurance – 1501 N Highway 67 – Midlothian, TX 76065 – (972) 723-9080
- Kevin O’Teter Agency – 1000 E Highway 287 # 102 – Midlothian, TX 76065 – (972) 723-9444
- Nationwide Insurance – 121 N 8th St – Midlothian, TX 76065 – (972) 775-3790
Captive Insurance Agents
Captive agents write business for a single company and examples are AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. Captives cannot give you multiple price quotes so they are skilled at selling on more than just price. They are well schooled on their products and sales techniques and that can be a competitive advantage. Some people will only choose to use a captive agent mainly due to high brand loyalty and the convenience of having a single billing for all their coverages.
The following is a list of captive agents in Midlothian that can give you rate quotes.
- State Farm Insurance – 423 E Highway 287 – Midlothian, TX 76065 – (972) 723-8880
- Allstate Insurance – 525 N 9th St – Midlothian, TX 76065 – (972) 723-7931
- Farmers Insurance Group – 300 N 8th St # 106 – Midlothian, TX 76065 – (972) 723-3824
To view a full list of car insurance agents in Midlothian, please click here.
Selecting an auto insurance agent needs to be determined by more than just a low price. Ask your prospective agent these questions:
- Are they able to influence company decisions when a claim is filed?
- If they are an independent agency, which companies do they recommend?
- How are claims handled?
- Do they feel the quoted coverages are adequate?
- How much will you save each year by using a higher deductible?
Upon getting positive responses to any questions you have and an acceptable price quote, chances are good that you have found a car insurance agent that can insure your vehicles.
What if I want to shop online?
Insurance agencies can be invaluable at times, but you can also find affordable Texas auto insurance direct from companies online. Even companies like Allstate and State Farm who have local agents in Midlothian also permit you to buy a policy online. This is something to consider if the lowest rate is your goal.
If you’re apprehensive about not getting advice from an agent when shopping online, don’t let it bother you. Online insurance companies all provide contact methods to answer your questions.
If you’re trying to save the most money, the best approach to discovering who has the best rates, online companies or local insurance agents, is comparing rate quotes from both. You could possible even receive different price quotes for the identical company when they compare quotes from both.
Are online companies cheaper? It’s difficult to say for sure since companies use quite a few components which can raise or lower premium rates. Some people will tell you that purchasing direct online saves money because there is no agent involvement. For most companies selling online, however, advertising budgets are huge so this can offset any savings.
Online plus local equals savings
Insureds who switch companies do it for many reasons like questionable increases in premium, delays in paying claims, high prices or high rates after DUI convictions. It doesn’t matter what your reason, choosing a new company is less work than it seems.
When trying to cut insurance costs, you should never buy less coverage just to save a little money. In many cases, an insured dropped full coverage only to regret they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.
Additional car insurance information is located on the Texas Department of Insurance website found here. Visitors are able to find out industry alerts, view a list of available companies, and read enforcement actions against agents and companies.