When pricing car insurance in Pittsburg, TX, there are a lot of options and selecting the best Pittsburg car insurance agent for your needs is not as easy as just using the same insurance agency as your neighbor. Consumers need a competent insurance agent, and also want to find the best possible rates.
There is such a variety of car insurance agents to choose from, and even though it’s nice to be able to choose, it can be more challenging to find the lowest rates.
Working with a local agent
Educated insurance agents can point out coverage gaps and give you someone to call. One of the best bonuses of comparing insurance prices online is you can get better rates but still work with a licensed agent.
Once you complete this quick form, the coverage information is emailed to local insurance agents who will give you bids for your coverage. There is no reason to even leave your home since price quotes are sent directly to your email. Now that’s easy! You’ll get the best rates AND an agent nearby.
Selecting an auto insurance agent requires more thought than just a low price. Some important questions to ask are:
- Are they properly licensed to sell insurance in Texas?
- Is their price quote a firm figure or are their hidden costs?
- Are they able to influence company decisions when a claim is filed?
- What is the agency’s Better Business Bureau rating?
- How long has their agency been open in Pittsburg?
- Are they full-time agents?
- Can they provide you with a list of referrals?
- Can glass repairs be made at your home?
Choose an insurance agent wisely
When finding a good insurance agency, you must know there are a couple different types of agents to choose from. Pittsburg agents can either be independent (non-captive) or captive.
Agency Captives
These agents work for only one company like Allstate, State Farm and Farmers Insurance. They generally cannot compare other company’s rates so always compare other rates. Captive agencies are well schooled on their company’s products which can be an advantage. Some consumers prefer to buy insurance from these agents partially due to loyalty to the company and solid financial strength.
Shown below is a list of captive agencies in Pittsburg that are able to give comparison quotes.
- State Farm Insurance – 101 Quitman St – Pittsburg, TX 75686 – (903) 856-3911
Independent Agencies or Brokers
Independent agents are not required to write business for one company so they have the ability to put coverage with many different companies and potentially find a lower price. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency.
When comparing rates, it’s a good idea to include multiple independent agents for the best price selection. They also have the ability to place coverage with smaller regional carriers which may provide better rates.
Shown below are Pittsburg independent insurance agencies that are able to give price quotes.
- Germania Insurance – 117 S Greer Blvd – Pittsburg, TX 75686 – (903) 856-0665
- Tommy Lee Insurance – 145 Jefferson St – Pittsburg, TX 75686 – (903) 856-0828
For a complete listing of car insurance agents in Pittsburg, go to this page.
Once you have acceptable answers to your questions and a good coverage price, you’ve probably found an auto insurance agent that meets your needs to insure your vehicles.
The online company option
Auto insurance agents are perfect for certain consumers, but Texas consumers also have the option to buy direct from companies online. A few companies who have local Pittsburg agents also allow consumers to get a quote and buy online, and that can save time if you don’t want to take the time to contact agents.
If you’re worried about not receiving proper advice when buying online, this is a normal reaction for first-time shoppers. Car insurance companies provide toll-free numbers for getting questions answered.
Will you save money buying auto insurance online? It’s difficult to say for sure due to the fact that there are multiple individual factors which can adversely affect your policy premium. It’s often assumed that a consumer who buys direct saves the cost of an agent commission. But truthfully, there are very high advertising costs and that can cost more than having to pay agents.
More detailed Texas car insurance information can be found at the Texas Department of Insurance website. Consumers can file complaints about an insurance agent or broker, read consumer alerts, discover disciplinary actions, and get help finding coverage.
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More quotes mean more savings
The cheapest car insurance is available online and with local Pittsburg insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
As you shop your coverage around, you should never sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced physical damage coverage only to regret at claim time that it was a big mistake. Your focus should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.