To find an insurance agent in New Boston, TX, you can always start your search on the web instead of calling around. You require a friendly agent, and also want to find the best possible rates.
Multiple insurance agencies compete for your hard-earned dollar, so it’s not easy to compare every insurance agent and get the definite lowest price
Your insurance agent down the street
Agents can help determine the best coverages and help in the event of a claim. The best thing about comparing rates online is you may find better rates and still choose a local agent.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is instantly submitted to local insurance agents who will give you bids for your insurance coverage. There is no need to visit any agencies as quotes are delivered to your email. How’s that for easy! Get lower rates AND an agent nearby.
Selecting an insurance agent should depend on more than just a low price. Here are some questions to ask:
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Are claims handled at the agent’s location?
- Do they have any clout with companies to ensure a fair claim settlement?
- Does the agency support the community they serve?
- How are claims handled?
New Boston insurance agents are either independent or captive
When finding a good New Boston insurance agent, you need to know there are two types of insurance agents from which to choose. Agents are either independent or captive.
Agency Captives
These agents can only write with one company such as Farmers Insurance, American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so they have no alternatives for high prices. Captives are well schooled on the products they sell which can be an advantage. Consumers sometimes buy from captive agents mostly because of the prominence of the brand and solid financial strength.
Listed below are captive insurance agencies in New Boston who may provide you with comparison quotes.
- Farmers Insurance Group – 304 E Hoskins St – New Boston, TX 75570 – (903) 628-3996
- Farm Bureau Insurance – 911 W Us Highway 82 – New Boston, TX 75570 – (903) 628-3451
Independent Insurance Agents
Independent agencies are not locked into one company but instead can place your coverage with multiple insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent. When comparing rates, it’s a good idea to contact at a minimum one independent agency for the best price selection. They also have the ability to place coverage with lesser-known insurance companies who may have lower rates.
Shown below are independent agents in New Boston willing to provide price quote information.
- Conner and Duffer Insurance – 305 N Center St – New Boston, TX 75570 – (903) 628-2503
- Farm Bureau Insurance – 911 W Us Highway 82 – New Boston, TX 75570 – (903) 628-3451
For a complete listing of insurance agents in New Boston, go to this page.
Upon getting acceptable answers to all your questions in addition to an acceptable price estimate, you’ve probably found an insurance agency that will adequately provide car insurance.
Also think about buying car insurance direct
Professional insurance agents are indespensible for some people, but Texas consumers also have the option to buy from companies direct over the internet. Certain auto insurance companies like State Farm and Allstate that are more known for using agents, also give you the ability to buy direct online, and consumers should do that if finding the best price is important.
If you’re uncomfortable with not having an agent to talk to when shopping online, don’t let it bother you. Car insurance companies that allow you to purchase coverage provide phone numbers and online resources for customer questions. Additionally, most companies also offer live help and 24/7 access you can access prior to buying.
The only method to determine if prices are better online or from an agent is getting rates for as many of both types of providers as possible. You may actually get a different price when quoting both agents prices and online prices from the exact same provider. You won’t discover which is cheaper until after you compare the same coverages from both.
Will you save money buying auto insurance online? It’s difficult to say for sure because there are many factors that influence your rates. Common sense would say that a consumer who buys direct saves money because there is no agent involvement. For the majority of companies, however, advertising and marketing take a lot of money and those expenses can offset most of the savings by selling direct.
Final considerations
As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. There have been many cases where an insured cut comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at a price you can afford.
Insureds change insurance companies for a number of reasons such as policy non-renewal, lack of trust in their agent, poor customer service and being labeled a high risk driver. Whatever your reason, choosing a new company is less work than it seems.
More detailed Texas car insurance information is available at the Texas Department of Insurance website. Texas drivers can read state legal mandates and laws, read consumer alerts, learn about insurance regulations, and read industry bulletins.