When trying to find a good Wolfforth agent, you can start your research online to save time. Chances are good you’re looking for a highly trained agent, but you also want affordable coverage.
With State Farm, Allstate and many independent agents all competing for business in Wolfforth, it’s difficult to determine which will provide you with the lowest rates and best service. To begin, you can use insurance quotes online to assemble a group of insurance agents to choose from.
Shop online but buy locally
Educated insurance agents can point out coverage gaps and help you file claims. One of the great benefits of comparing rates online is you can get the lowest rates and still have an agent to talk to. Buying from local businesses is important particularly in Wolfforth.
Upon completion of this simple form, your insurance data is transmitted to agents in your area who will return price quotes for your insurance coverage. There is no need to drive around as quotes are delivered straight to your inbox. How cool is that?!
Two types of Wolfforth car insurance agents
If you’re trying to find a local agent, there are two types of insurance agents to choose from. Wolfforth agents can either be independent (non-captive) or captive. Either one can do a good job, but it’s worth mentioning how they differ since it can impact your selection of an agent.
Independent Agencies or Brokers
Independent insurance agents are not employed by any specific company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies. When shopping rates, it’s recommended you contact at least one independent agent to have the most options to choose from.Most can insure with lesser-known insurance companies which can be an advantage.
Shown below are independent insurance agencies in Wolfforth willing to provide price quotes.
- Wolfforth Insurance Agency Inc – Cedar Ave – Wolfforth, TX 79382 – (806) 866-4249
- Wolfforth Insurance Agency Inc – Cedar Ave – Wolfforth, TX 79382 – (806) 866-4249
Agency Captives
Captive insurance agents work for only one company and examples are AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They are unable to place coverage with different providers so keep that in mind. Captives are very knowledgeable on their company’s products which helps them compete with independent agents. Consumers sometimes buy from captive agents mostly because of high brand loyalty and strong financial ratings.
Choosing an insurance agent shouldn’t rely on just the bottom line cost. These are valid questions to ask:
- What insurance companies do they work with?
- Is working in the agency their full-time job?
- How often do they review policy coverages?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is vehicle mileage a factor when determining depreciation for repairs?
After receiving good answers to your questions and a good coverage price, most likely you have located an insurance agent that meets your needs to insure your vehicles.
Can you save by buying online?
Insurance agents are important to many people, but Texas car insurance can also be bought from online companies direct. Even companies like Allstate and State Farm that sell primarily through agents also let you buy direct online, so that should be considered.
If you’re uncomfortable with not having an agent to talk to when shopping online, don’t sweat it. All companies that allow you to purchase coverage all provide contact methods to answer your questions.
The only way to determine who has the best deal, local agents or online insurance companies, is comparing rate quotes from both. Even though it sounds odd, people frequently get different pricing from the same company if you compare an online quote to agent rates.
Can you find lower rates online? That is a tough question to answer because there are a lot of things that can increase policy rates. Common logic is that purchasing direct online saves by not paying a commission. In reality, marketing their products costs a lot of money and that impacts the rates consumers pay.
Smart shoppers get results
Drivers switch companies for a number of reasons such as unfair underwriting practices, poor customer service, delays in responding to claim requests or even being labeled a high risk driver. Whatever your reason, switching companies can be less work than you think.
When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find at the best price, not the least amount of coverage.
Additional car insurance information is located on the Texas Department of Insurance website found here. Texas drivers can read enforcement actions against agents and companies, learn about insurance regulations, find out industry alerts, and view agent and company licensing information.
Additional helpful sites include this resource for Texas car insurance prices and this page of insurance agents in Wolfforth.