If you’re looking to buy car insurance, you have many choices and selecting the best Sweetwater insurance agency for your needs is not as easy as just using the same insurance agent as your neighbor. It’s assumed you’re wanting a competent insurance agent, but you also need the lowest possible price.
With insurance companies like Allstate, Farmers and State Farm as well as independent agents having local Sweetwater offices, consumers have a hard time knowing which provider will have the best service and rates. To help decide, you can use online quoting to assemble a group of insurance agencies and thier coverage prices.
Local Sweetwater agents and car insurance
Agents can point out coverage gaps and help submit paperwork. One of the great benefits of comparing insurance prices online is you can get better rates but also keep your business local. And providing support for local insurance agencies is important particularly in Sweetwater.
For easy comparison, once you complete this short form, the coverage information is instantly submitted to participating agents in Sweetwater who will compete for your business. There is no reason to leave your computer since price quotes are sent straight to your inbox. Now that’s easy! You can find the lowest rates without the usual hassles of price shopping.
What types of auto insurance agents are in Sweetwater?
When looking for local Sweetwater agents, you need to know there are two types of insurance agents from which to choose. Sweetwater agents are categorized either independent (non-captive) or captive.
Independent Insurance Agents
Independent insurance agents are not employed by any specific company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent.
When comparison shopping, you should always include price quotes from several independent insurance agents for the best price selection.
Listed below are independent agencies in Sweetwater who may be able to give you price quote information.
Johnson Insurance – 119 W Broadway St – Sweetwater, TX 79556 – (325) 236-9957
Ford Insurance – 907 E Broadway St – Sweetwater, TX 79556 – (325) 235-8792
Captive Agents
Captive insurance agents can only write with one company like AAA, State Farm, Farmers Insurance and Allstate. They usually cannot place coverage with different providers so they have no alternatives for high prices. Captive agents are well schooled on the products they sell which can be an advantage.
Listed below are captive agents in Sweetwater who can help you get price quote information.
State Farm Insurance – 500 NW Georgia Ave – Sweetwater, TX 79556 – (325) 235-0018
For a complete listing of captive insurance agents in Sweetwater, please click here.
Selecting an auto insurance agent needs to be determined by more than just the premium amount. Ask your prospective agent these questions:
- Do they receive special compensation for putting your coverage with one company over another?
- Are they full-time agents?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they make recommendations based only on price?
- If your car is totalled, how to they determine the replacement cost?
After getting positive feedback to these questions as well as a affordable price, you may have just found a car insurance agent that meets your needs to properly insure your vehicles.
But what about Progressive, GEICO and other online companies?
Insurance agents can be invaluable at times, but you also have the option of buying Texas car insurance direct over the internet. Certain auto insurance companies who sell through the agent channel also give you the ability to buy direct online. This is something to consider.
If you’re uncomfortable with whether or not you’ll have guidance when buying car insurance direct, this is normal but is quickly overcome. All companies that allow you to purchase coverage have customer service departments for getting questions answered.
Do online companies have better rates? It’s hard to say exactly due to the fact that there are multiple individual factors that are calculated into your premium. Common sense would say that buying online saves money because there is no commission. But in reality, marketing expenses are significant and that impacts the rates consumers pay.
If you’re not set on any one company, the best way to find out whether online companies or local agents have lower rates is comparing rate quotes from both. You may actually get a different price from agents as you do online from the same car insurance company.
Additional information is located on the website for the Texas Department of Insurance. Click here for link. Consumers can find disaster information, file complaints about a company, and get help finding coverage.
Do the work, save more money
Drivers who switch companies do it for a number of reasons such as unfair underwriting practices, questionable increases in premium, delays in responding to claim requests or even policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company can be pretty painless.
As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, an accident victim reduced uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. The aim is to buy the best coverage you can find for the lowest price while still protecting your assets.