Comparing car insurance companies in Andrews, Texas can be challenging because picking a good Texas car insurance agent is not as easy as just calling the closest agent. Most likely you require not only a great agent that can assess your needs, but you also need affordable coverage.
With American Family, Allstate, State Farm and independent agents all competing for your business, it can be hard to know which one will provide the cheapest rates and the best coverage. Thankfully, it’s easy to use online price quotes in order to build a list of agents and price estimates.
Your local neighborhood insurance agent
Good agents can help determine the best coverages and give you peace of mind. One of the best bonuses of comparing rates online is that you can obtain lower rates and still choose a local agent. Supporting local insurance agencies is important particularly in Andrews.
Once you complete this short form, your insurance data is emailed to local insurance agents in Andrews who will return price quotes for your business. There is no reason to drive around because quoted prices will be sent directly to your email. It doesn’t get any easier!
Compare rates from both independent and captive insurance agents
When finding a good insurance agency, there are two types of agencies that you can select. Agents can either be captive or independent. Both write coverage properly, but it’s good to learn how they differ since it can impact the selection process.
Independent Insurance Agents
Independent agents are not required to write business for one company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies.
When shopping rates, we recommend you get quotes from several independent insurance agents to get the best comparison.
Shown below is a list of independent agents in Andrews who may be able to give you competitive price quotes.
Wayne Eppler Insurance – 500 N Main St – Andrews, TX 79714 – (432) 523-2837
Wilcox Insurance – 319 W Broadway St # C – Andrews, TX 79714 – (432) 523-4157
Weatherby-Eisenrich Agency – 211 W Broadway St – Andrews, TX 79714 – (432) 523-4675
Captive Agents
This type of agents have only one company to place business with and examples are AAA, Allstate and State Farm. They generally cannot provide prices from multiple companies so keep that in mind. Captives are well schooled in insurance sales which can be an advantage.
Below are Andrews captive agencies that are able to give rate quotes.
State Farm Insurance – 201 S Main St – Andrews, TX 79714 – (432) 523-5084
To view a full list of Andrews captive agencies, please go to this site.
Picking a car insurance agent should depend on more than just the premium amount. Any agent should have no problem answering these questions:
- Which members of your family are coverage by the policy?
- If you are a high risk driver, do they have special markets for your coverage?
- How long have they worked with personal auto insurance coverage?
- What insurance companies do they recommend if they are an independent agent?
- Are claims handled at the agent’s location?
After getting satisfactory answers to all your questions and a good coverage price, chances are good that you have found an auto insurance agent that will provide car insurance coverage.
How do online company rates compare?
Local insurance agents serve a purpose, but Texas car insurance can also be bought directly from online companies. Some car insurance companies, such as Farmers Insurance and State Farm, that are more known for using agents, also allow consumers to get quotes and purchase online, so that should be considered if you don’t want to take the time to contact agents.
If you’re concerned about not getting proper coverage when buying direct, that shouldn’t be an issue. All companies that allow you to purchase coverage provide toll-free numbers to help you decide which coverages are appropriate. They also have online education and live help anytime that can help answer basic questions.
Can online rates save money? The answer is complex since there are so many factors which can raise or lower premium rates. It’s logical to say that shopping online for auto insurance cuts out the agent as a middleman. In reality, online and traditional media advertising are expensive so this can offset any savings.
More quotes mean more savings
Cost effective car insurance can be bought on the web and also from your neighborhood Andrews agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers may not provide online quoting and these smaller companies work with independent agents.
Consumers switch companies for many reasons like lack of trust in their agent, delays in paying claims, delays in responding to claim requests and high prices. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.
Additional car insurance information is available on the website for the Texas Department of Insurance through this link. Texas drivers can find a variety of consumer forms, find out which companies have the most complaints, report car insurance fraud, and find disaster information.