To locate an insurance agent in Pleasanton, TX, you can do the preliminary legwork by comparing rates online instead of calling around. Consumers require a competent insurance agent, but also need the best auto insurance prices in Pleasanton.
There is such a variety of insurance agencies to purchase coverage from, and even though it’s nice to be able to choose, having more insurance agencies makes it harder to compare rates and find the lowest cost auto insurance.
Neighborhood insurance agents
Good agents can help determine the best coverages and help file insurance claims. The biggest benefit of comparing insurance prices online is that you can obtain better rates and still choose a local agent.
Once you complete this short form, your insurance coverage information is submitted to agents in your area who will compete for your business. You won’t need to leave your house since price quotes are sent immediately to your email address. How’s that for easy!
Choosing an insurance agent should depend on more than just the price. These are valid questions to ask:
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they assist clients in filing claims?
- Is the agent and/or agency licensed to do business in Texas?
- Are claims handled at the agent’s location?
- Can glass repairs be made at your home?
- How long has their agency been open in Pleasanton?
The different types of insurance agents
When searching for a reputable insurance agent or broker, there are a couple of different types of agents that differ in how they can insure your vehicles. Insurance agencies in Pleasanton are classified as either captive or independent (non-captive). Either one can write coverage properly, but it’s good to learn the differences because it can impact your agent selection.
Agency Captives
Captive agencies write business for a single company like Farmers Insurance or State Farm. They generally cannot provide prices from multiple companies so it’s a take it or leave it situation. Captive agents receive extensive training on the products they sell which can be an advantage. Consumers sometimes buy insurance from these agents mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.
The following are Pleasanton captive agents willing to provide price quotes.
- Farmers Insurance Group – 2087 W Oaklawn Rd # 205 – Pleasanton, TX 78064 – (830) 281-2200
Independent Insurance Agents
These agents are not locked into one company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. When comparison shopping, you should always include price quotes from several independent insurance agents to get the best comparison.Many can place coverage with smaller regional carriers which can save you money.
Shown below are Pleasanton independent insurance agencies that can give you price quotes.
- Ricks Insurance – 205 N Main St – Pleasanton, TX 78064 – (830) 569-3881
- Claude R Zabava Insurance – 115 W Hunt St – Pleasanton, TX 78064 – (830) 569-2586
For a complete listing of Pleasanton insurance agents, go to this page.
After getting positive feedback and locked in a price quote, chances are good that you have found a car insurance agent that can properly insure your vehicles.
Are Progressive, GEICO and Esurance cheaper?
Licensed agents are a valuable resource, but you also have the option of buying direct from companies online. Even companies, such as Farmers Insurance and State Farm, who have local Pleasanton agents additionally provide the ability to buy direct on their websites, so this should also be taken into consideration to possibly find a better rate.
If you’re uncomfortable with selecting your own policy coverages when buying direct, this really isn’t an issue. Online companies provide options to answer any questions you may have.
The best approach to find out if the cheapest policy comes from an agent or online is making fair comparisons of each of their rates. You could possible even receive different price quotes for the same auto insurance company when they compare quotes from both.
Does coverage cost less online? Many people think so, but it’s hard to say for sure due to the large number of individual components that influence how your policy is priced. Some people will tell you that buying car insurance online reduces premiums because there is no agent. But in most cases, getting their brand in front of customers is expensive and this tends to eat up any savings.
Buy online or local, you save
When shopping online for auto insurance, never buy less coverage just to save a little money. In many cases, an insured cut liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to find the BEST coverage at the best price, not the least amount of coverage.
Consumers switch companies for a variety of reasons including unfair underwriting practices, lack of trust in their agent, poor customer service and delays in paying claims. It doesn’t matter why you want to switch choosing a new insurance company is pretty easy and you might even save some money in the process.
Additional detailed information can be read at the Texas Department of Insurance website. Consumers can find a variety of consumer forms, learn about specific coverages, file complaints about a company, and find disaster information.
Also read more on this resource for Texas auto insurance prices and QuoteClickSave.com.