Comparing car insurance rates in Gladewater can be a lot of work since you have many choices and selecting the best Gladewater insurance agency for your needs is more difficult than just using the same insurance agent as your neighbor. We’re assuming you’re wanting a good agent that listens to you, but also affordable coverage.
With companies like American Family, Allstate, State Farm and Farmers all competing for business in Gladewater, it’s difficult to determine which provider will have the cheapest rates and the best coverage. To help decide, you can use online quoting to assemble a group of insurance agents and thier coverage prices.
How to buy car insurance from an agent in Gladewater
Educated insurance agents can help determine the best coverages and help you file claims. The biggest benefit of price shopping on the web is you can get the lowest rates and still choose a local agent. And providing support for local insurance agencies is especially important in Gladewater.
To help locate an agent, after submitting this simple form, your information is transmitted to agents in your area who will give you bids for your business. You don’t have to visit any agencies as quotes are delivered to your email. How cool is that?! Get lower rates AND a local agent.
What type of Gladewater car insurance agent is right for you?
When finding a good Gladewater insurance agent, you must know there are a couple different types of agents from which to choose. Agents can either be captive or independent (non-captive).
Independent Agents
Independent agencies do not work for one specific company so they have the ability to put coverage with lots of companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and you won’t have to switch agencies.
When comparing rates, it’s recommended you include price quotes from multiple independent agents for the best price selection. Many write coverage with lesser-known insurance companies who may have lower rates.
Listed below are Gladewater independent insurance agencies that may be able to provide competitive price quotes.
- Roger Armstrong Insurance – 2102 Broadway Ave – Gladewater, TX 75647 – (903) 845-5528
- Brown Cook and Taylor Insurance – 1001 Broadway Ave – Gladewater, TX 75647 – (903) 845-5533
Agency Captives
Captive agencies can only write with one company and some examples include AAA, State Farm, Farmers Insurance and Allstate. They generally cannot compare other company’s rates so they have no alternatives for high prices. Captive agents are well schooled on their products and sales techniques which helps them compete with independent agents. Some consumers prefer to buy from captive agents partially due to the brand legacy and strong financial ratings.
Listed below are captive agents in Gladewater that can give you rate quotes.
- Allstate Insurance – 201 N Main St – Gladewater, TX 75647 – (903) 844-1616
- State Farm Insurance – 817 N Main St – Gladewater, TX 75647 – (903) 845-2477
For a full directory of captive agencies in Gladewater, simply jump to this page.
Deciding on an auto insurance agent needs to be determined by more than just the bottom line cost. Any agent should have no problem answering these questions:
- Are there any discounts that you might be missing?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Can they give you a list of client referrals?
- Which insurance companies are they affiliated with?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they make recommendations based only on price?
- How many years of experience in personal lines insurance coverages do they have?
After getting positive responses to your questions as well as a affordable price, you may have just found a car insurance agent that will properly insure your vehicles.
Don’t dismiss the online option
Car insurance agents are important to many people, but you can also find affordable Texas auto insurance direct from companies online. Certain auto insurance companies, such as State Farm, Allstate and Farmers, that sell primarily through agents also give you the option to buy direct on their websites, so that should be considered.
If you’re apprehensive about choosing your own coverages when shopping online, this is normal but is quickly overcome. Online car insurance companies all have toll-free customer service you can use to get advice on coverages.
Does coverage cost less online? The answer to that question is complicated since companies use quite a few components that can increase policy rates. Many people think that going direct saves the commission normally paid to an agent. But the reality is the cost of constant advertising is expensive and those expenses can offset most of the savings by selling direct.
Affordable insurance is out there
Cheaper car insurance is definitely available online in addition to many Gladewater insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide you the ability to get quotes online and these regional insurance providers work with independent agents.
People who switch companies do it for many reasons like delays in responding to claim requests, questionable increases in premium, high rates after DUI convictions and even delays in paying claims. It doesn’t matter what your reason, finding a great new company is pretty easy and you might even save some money in the process.
Additional car insurance information is located on the Texas Department of Insurance website through this link. Visitors are able to get help finding coverage, find disaster information, and find a variety of consumer forms.
Additional helpful sites include FindNewCarInsurance.com and this page for help finding agents in Gladewater, TX.