When pricing car insurance in Lamesa, TX, there are a lot of options and selecting the best Lamesa insurance agency for your needs is not as easy as just randomly choosing from the yellow pages. You need a professional agent, and also want to find the lowest rates in Lamesa.
Multiple insurance agencies compete for your insurance dollar, and it can be difficult to compare rates to find the best price available.
Online quotes with a local Lamesa insurance agent
Insurance agents can help determine the best coverages and give you peace of mind. One of the best bonuses of comparing rates online is the fact that you can find the lowest rates and still have an agent to talk to.
By using this form (opens in new window), the quote information is immediately sent to local insurance agents who will compete for your business. You don’t have to even leave your home as quotes are delivered immediately to your email address. Now that’s easy!
Choosing an auto insurance agent requires more thought than just a cheap price. Agents should be asked these questions:
- Are there any discounts that you might be missing?
- Is assistance available after office hours?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Who are their largest clients?
- Do they assist clients in filing claims?
- What insurance company do they write the most business with?
- How are they compensated?
Lamesa insurance agencies come in two flavors
When finding a local agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Insurance agencies in Lamesa are classified as either independent (non-captive) or captive. Either one can insure your vehicles, but it’s worth mentioning how they are different because it can influence the type of agent you choose
Captive Insurance Agents
This type of agents are contracted to one company like State Farm, Allstate and AAA. These agents are unable to compare other company’s rates so they have no alternatives for high prices. These agents are trained well on their company’s products and that can be a competitive advantage.
Shown below is a short list of captive insurance agents in Lamesa that are able to give price quote information.
Farmers Insurance Group – 807 N Dallas Ave – Lamesa, TX 79331 – (806) 872-9467
Independent Insurance Agents
Independent insurance agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent.
When searching for an agent, you should always get quotes from several independent insurance agents to ensure the widest selection of prices.
Below are Lamesa independent agents who can help you get price quotes.
Avery Doss Insurance – 801 N 1st St – Lamesa, TX 79331 – (806) 872-7622
Vogler Insurance – 219 N Austin Ave – Lamesa, TX 79331 – (806) 872-2801
Ray Agency – 612 N 2nd St # A – Lamesa, TX 79331 – (806) 872-3869
Henry Norris Agency – 520 N 1st St – Lamesa, TX 79331 – (806) 872-5494
To view a complete directory of insurance agents in Lamesa, visit this site.
After receiving positive feedback to these questions and an affordable coverage quote, most likely you have located an insurance agent that meets your needs to provide car insurance coverage.
Can you buy online and save?
Local insurance agents are indespensible for some people, but you also have the option of buying from companies direct over the internet. Certain auto insurance companies, such as Farmers Insurance and State Farm, who employ agents also allow you to buy direct on their websites, and consumers should do that if you prefer to buy online.
If you’re anxious about not having professional advice, don’t sweat it. Online companies all have toll-free customer service to answer your questions.
Is pricing better online? That is a tough question to answer because there are many components that determine the price you pay. Common sense would say that a consumer who buys direct prevents the agent from taking a cut. In reality, it’s expensive to advertise and this tends to eat up any savings.
The best approach to find out if car insurance prices are lower online or from agents is to set aside time to compare rates from both. Lots of times people will get different prices for the identical company if you compare an online quote to agent rates.
Keep this in mind
While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. In many instances, an insured dropped physical damage coverage to discover at claim time that it was a big mistake. The aim is to buy a smart amount of coverage at the best price.
Consumers leave their current company for a variety of reasons including poor customer service, policy cancellation, delays in paying claims or not issuing a premium refund. It doesn’t matter why you want to switch choosing a new insurance company is less work than it seems.
More detailed Texas car insurance information can be found at the Texas Department of Insurance website. Texas consumers can read state legal mandates and laws, view agent and company licensing information, learn about specific coverages, and read enforcement actions against agents and companies.