To find a good Saginaw agent, it’s recommended you start your research using online quotes instead of calling around. Consumers require a decent agent, but also need affordable rates.
Because there are so many options when it comes to auto insurance, it is hard for the average consumer to pick the lowest price insurer.
Compare online but buy from a local Saginaw agent
Professional agents are trained to spot inefficiencies and give you peace of mind. The biggest benefit of comparing rates online is that you can obtain better rates but still work with a licensed agent.
After filling out this simple form, your information is submitted to insurance agents in Saginaw who will battle to get your business. You never need to visit any agencies since price quotes are sent directly to your email. Now that’s easy! You’ll get the best rates AND a local agent.
Deciding on an insurance agent requires more thought than just the price. These are valid questions to ask:
- Does the agency provide any after hours assistance?
- How are they compensated?
- Did they already check your driving record and credit reports?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Will your rates increase after a single accident?
- How much will you save each year by using a higher deductible?
Captive or Independent: There is a difference
When looking for a reliable agent, there are a couple of types of insurance agents from which to choose. Saginaw agents are categorized either independent (non-captive) or captive.
Captive Insurance Agents
Captive agencies can only write with one company and examples are Liberty Mutual, State Farm, Allstate and AAA. They are unable to compare other company’s rates so keep that in mind. Captives are well schooled on the products they sell and that can be a competitive advantage.
The following are Saginaw captive insurance agencies who may provide you with price quote information.
State Farm Insurance – 6051 N Main St – Saginaw, TX 76179 – (817) 232-3891
Independent Agencies or Brokers
Independent insurance agents are not required to write business for one company but rather can write business with any number of different companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part. When shopping rates, it’s a good idea to get quotes from at least one independent agent to ensure the widest selection of prices.
Below is a short list of independent insurance agents in Saginaw willing to provide price quote information.
Romero Agency – 1029 N Saginaw Blvd # F3 – Saginaw, TX 76179 – (817) 847-7650
To view a complete directory of insurance agents in Saginaw, please click here.
Upon receiving satisfactory answers for all questions you ask in addition to an acceptable price estimate, you’ve probably found an insurance agency that can adequately provide auto insurance.
Are online companies an option?
Car insurance agents can be invaluable at times, but Texas consumers also have the option to buy directly from online companies. Some companies, such as Farmers Insurance and State Farm, who employ agents also allow you to buy online, and online price comparisons are easy and can also potentially find you lower rates.
If you’re apprehensive about not having professional advice when buying online, don’t let it bother you. Companies provide options for customer questions.
Does car insurance cost less online? It’s difficult to provide an answer because there are many factors that can increase policy rates. It’s often assumed that buying direct saves the commission normally paid to an agent. But the fact is, there are very high advertising costs so the rates may be similar to buying from an agent.
If you’re not set on any one company, the best way to find out whether prices are lower online or from agents is making fair comparisons of each of their rates. Even though it sounds odd, people frequently get different pricing when comparing agent prices to online quotes from the exact same provider. But you can’t find out if the company’s rates are lower online or from an agent until you actually compare rates from both.
More comparisons equals lower rates
Insureds switch companies for many reasons like being labeled a high risk driver, policy cancellation, denial of a claim or delays in paying claims. It doesn’t matter what your reason, switching auto insurance companies is less work than it seems.
As you go through the steps to switch your coverage, never reduce needed coverages to save money. In many instances, consumers will sacrifice liability coverage limits and learned later that the savings was not a smart move. Your strategy should be to find the BEST coverage at the best price while not skimping on critical coverages.
Consumer auto insurance information in Texas
Even more information can be found at the Texas Department of Insurance website. Visitors are able to find out industry alerts, view a list of available companies, and read industry bulletins.