If you’re looking for a good Murphy agent, it’s recommended you begin your search by getting online comparison quotes instead of calling around. Consumers require a professional licensed agent, but also need the lowest rates for auto insurance in Murphy.
Numerous car insurance agents battle for your hard-earned dollar, and because of this it can be hard to compare car insurance agents to get the lowest price
Working with a local agent
Educated insurance agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of comparing insurance prices online is that you can obtain the lowest rates but still work with a licensed agent.
Once you complete this quick form, your information is immediately sent to agents in your area who will return price quotes for your coverage. There is no reason to leave your computer due to the fact that quote results will go to your email. Now that’s easy!
Deciding on an insurance agency should depend on more than just a cheap price. These questions are important to ask:
- How are claims handled?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- If you are a high risk driver, do they have special markets for your coverage?
- Can they provide you with a list of referrals?
- If your car is in the repair shop, do you have coverage for a rental car?
Captive agents vs. Independent agents
When researching local Murphy agents, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Agents are categorized either independent or captive. Both write coverage properly, but it’s important to know the difference between them because it can impact the selection process.
Captive Agents
Captive agencies can only place business with one company and some examples include Farmers Insurance or State Farm. They are unable to place coverage with different providers so it’s a take it or leave it situation. They are trained well on their company’s products and that can be a competitive advantage.
Shown below are Murphy captive agents who can help you get price quotes.
State Farm Insurance – 111 S Murphy Rd – Murphy, TX 75094 – (972) 633-9919
Independent Agents
Independent agencies are not locked into one company so they can insure your vehicles amongst many companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies. When searching for an agent, we recommend you include multiple independent agents to get the best comparison.
Upon receiving answers to your satisfaction to any questions you have and a low price estimate, you may have just found a car insurance agent that can provide auto insurance coverage.
Are online companies like GEICO cheaper?
Insurance agents are a valuable resource, but Texas drivers can also buy direct online. Certain companies like State Farm and Allstate who employ agents also let you get quotes and purchase online, so keep that in mind if you want to do it yourself.
If you’re uneasy about not having an insurance agent’s advice, that is normal but is not a big issue. Auto insurance companies provide phone numbers and online resources for answering any questions you have. They also offer online help and live chat to clarify any questions you may have.
Are online rates lower? Many people think so, but it’s hard to say for sure because there are many components that impact your final bill. Some people will tell you that purchasing direct online saves money because there is no agent involvement. In many cases, advertising budgets are huge so this can offset any savings.
Even more information is available at the Texas Department of Insurance website. Texas drivers can learn about specific coverages, download brochures, and read enforcement actions against agents and companies.
Better coverage you can count on
People change insurance companies for many reasons like not issuing a premium refund, an unsatisfactory settlement offer, delays in responding to claim requests and even high rates after DUI convictions. Regardless of your reason, choosing a new company is not as hard as you think.
Low-cost auto insurance can be sourced from both online companies in addition to many Murphy insurance agents, so compare prices from both so you have a total pricing picture. A few companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.