If you’re trying to find a licensed insurance agent in Bowie, you can begin your search for an agent online to save time. It’s highly likely that not only do you want a competent insurance agent, but you also want great rates as well.
With insurance companies like State Farm, Allstate and many independent agents all competing for your business, it’s difficult to determine which provider will have the best rates, service and coverage. Thankfully, consumers can get online quoting to assemble a group of agents and thier coverage prices.
Save time by quoting online
Insurance agents can answer important questions and help in the event of a claim. The biggest benefit of price shopping on the web is you may find the best rates but also keep your business local. Supporting small agencies is important particularly in Bowie.
After completing this short form, the coverage information is submitted to participating agents in Bowie who will give you bids for your coverage. You don’t have to drive around since price quotes are sent straight to your inbox. How cool is that?!
Different types of Bowie insurance agents
If you’re trying to find a good Bowie insurance agent, there are a couple of types of agencies that differ in how they can insure your vehicles. Insurance agencies in Bowie are classified as either captive or independent (non-captive). While both can write coverage properly, but it’s important to know how they differ because it can influence your agent selection.
Independent Agents
Independent agencies are not employed by any specific company so they have the ability to put coverage with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and you won’t have to switch agencies.
When searching for an agent, it’s recommended you contact multiple independent agents to get the best comparison. They often place coverage with lesser-known insurance companies which can be an advantage.
The following is a short list of independent insurance agencies in Bowie that can give you pricing information.
- Harriet Mcgee Insurance – 1119 Fm 1125 – Bowie, TX 76230 – (940) 872-2791
- Farm Bureau Insurance – 1003 W Wise St – Bowie, TX 76230 – (940) 872-9700
Captive Insurance Agents
Captive agents have only one company to place business with like Allstate, State Farm and Farmers Insurance. These agents are not able to provide prices from multiple companies so it’s a take it or leave it situation. Captive agents are very knowledgeable on the products they sell which helps them compete with independent agents. Consumers often buy insurance from these agents partially due to high brand loyalty and solid financial strength.
Shown below is a list of captive agents in Bowie that are able to give price quotes.
- State Farm Insurance – 201 W Pecan St – Bowie, TX 76230 – (940) 872-2820
- Farm Bureau Insurance – 1003 W Wise St – Bowie, TX 76230 – (940) 872-9700
To view a full list of captive agents in Bowie, simply jump to this page.
Picking an auto insurance agent should depend on more than just the price. These questions are important to ask:
- Can they provide you with a list of referrals?
- How are claims handled?
- Does the company allow you to choose your own collision repair facility?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- If you have an accident, will your rates go up?
Once you have good answers and locked in a price quote, chances are good that you have found a car insurance agent that will properly insure your vehicles.
Can you save by buying online?
Licensed agents are important to many people, but you also have the option of buying from online companies direct. Certain companies who have local agents in Bowie also allow consumers to buy a policy online, so this should also be taken into consideration if you prefer not to work with an agent.
If you’re apprehensive about not receiving proper advice when buying online, that is normal but is not a big issue. Auto insurance companies provide customer service for getting the best coverage.
Will you save money buying auto insurance online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say due to the large number of individual components that determine the price you pay. Some people will tell you that a consumer who buys direct cuts out the middleman. But in most cases, there are very high advertising costs so rates may not be all that different from traditional agents.
To find out more about Texas car insurance
More information can be found on the Texas Department of Insurance website found here. Texas drivers can get help finding coverage, view a list of available companies, and find a variety of consumer forms.
The articles below may also help you learn more about car insurance in Bowie
- Pay Less for Bowie Auto Insurance Rates in Five Minutes
- 6 Must-Know Techniques When Buying Bowie Maryland Car Insurance
More effort can pay off
Budget-conscious car insurance can be bought both online and with local Bowie insurance agents, and you need to comparison shop both to have the best rate selection. A few companies do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.
When shopping online for car insurance, do not reduce needed coverages to save money. There have been many situations where someone dropped liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage at an affordable rate while still protecting your assets.