Selecting a car insurance company in Cedar Park, TX can be time consuming since finding the best Texas insurance agent is harder than just randomly choosing from the yellow pages. You need a great agent that can assess your needs, and also want to find the lowest rates in Cedar Park.
With consumers having so many choices of insurance companies, it can be diffult for consumers to find the right company.
Shop online but buy locally
Insurance agents can answer important questions and help in the event of a claim. The best thing about comparing insurance prices online is you may find lower rates and still choose a local agent.
Once you complete this simple form, your information is immediately sent to participating agents in Cedar Park who will give you bids for your insurance coverage. You never need to leave your house due to the fact that quote results will go to your email. Now that’s easy! It’s the lowest rates AND an agent nearby.
Choosing an insurance agent should depend on more than just a low price. Some important questions to ask are:
- If they are an independent agency, which companies do they recommend?
- What will you get paid if your car is a total loss? How is that amount determined?
- What insurance company do they write the most business with?
- How long have they worked with personal auto insurance coverage?
- Are claims handled at the agent’s location?
Cedar Park insurance agents come in two flavors
If you’re trying to find local Cedar Park agents, there are two different types of agents to choose from. Cedar Park agents are classified as either captive or independent (non-captive).
Captive Insurance Agents
Captive agents can only write with one company and examples are AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot compare other company’s rates so always compare other rates. They are trained well on their company’s products and that can be a competitive advantage. Some consumers prefer to buy from captive agents partially due to high brand loyalty and strong financial ratings.
Below is a list of captive agents in Cedar Park who may provide you with price quotes.
- Allstate Insurance – 400 Old Highway 183 – Cedar Park, TX 78613 – (512) 336-1033
Independent Agencies or Brokers
These agents are not locked into one company so they have the ability to put coverage amongst many companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent. When comparing rates, it’s recommended you get quotes from multiple independent agents for the best price selection. They often place coverage with different regional companies which can be an advantage.
Below are Cedar Park independent insurance agents that are able to give comparison quotes.
- Deven Richter Agency – 2800 E Whitestone Blvd # 123 – Cedar Park, TX 78613 – (512) 259-9797
- Sentry Insurance Co – 1815 Marysol Trl – Cedar Park, TX 78613 – (512) 259-9497
- Manry Insurance – 601 E Whitestone Blvd # 112 – Cedar Park, TX 78613 – (512) 260-2400
- Beth Livingston Agency – 200 S Bell Blvd # B2 – Cedar Park, TX 78613 – (512) 336-9433
To view a full list of insurance agents in Cedar Park, please view this page.
Once you have positive responses for all questions you ask and an acceptable price quote, it’s possible that you found a car insurance agent that meets your needs to properly service your car insurance policy.
Online auto insurance companies
Insurance agencies are important, but you also have the option of buying Texas car insurance direct online. Certain companies, such as Farmers Insurance and State Farm, who sell through agents in Cedar Park also give you the option to get a quote and buy online, and that is helpful if you prefer to buy online.
If you’re apprehensive about not receiving proper advice, that shouldn’t be an issue. All companies that require consumers to choose their own coverages all provide contact methods for customer questions. You can also use 24/7 live help and a car insurance FAQ section that you can use if you have questions.
Can you find lower rates online? Whether or not you’ll save is impossible to say because there are so many things that impact your final bill. Common logic is that buying online saves the commission normally paid to an agent. But the reality is online and traditional media advertising are expensive and that impacts the rates consumers pay.
Even more information is located at the Texas Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, view agent and company licensing information, and find out industry alerts.
One last thing
As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.
Low-cost car insurance can be found online as well as from independent agents in Cedar Park, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers don’t offer online quoting and usually these small insurance companies provide coverage only through local independent agents.