When shopping for car insurance, you have many choices and choosing the right Horizon City car insurance agent is more difficult than just randomly choosing from the yellow pages. Consumers need a professional agent, and also the best price on car insurance.
Many insurance agents vie for your hard-earned dollar, so it’s not easy to compare every insurance agency to discover the definitive lowest rate possible.
Horizon City agents for car insurance
Licensed agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of comparing rates online is that you can obtain lower rates but also keep your business local.
After completing this form (opens in new window), your coverage information is transmitted to agents in your area who will battle for your insurance coverage. You won’t need to leave your house since price quotes are sent straight to your inbox. Now that’s easy! You can find the lowest rates AND a local agent.
Picking an insurance agency should depend on more than just the premium amount. Ask your prospective agent these questions:
- Is their price quote a firm figure or are their hidden costs?
- Are you getting all the discounts the company offers?
- How often do they review policy coverages?
- Who are their largest clients?
- Do they specialize in personal lines coverage?
Different types of Horizon City insurance agencies
When searching for a reputable insurance agent or broker, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Agencies in Horizon City are categorized either captive or independent.
Captive Insurance Agents
This type of agents can only place business with one company like AAA, State Farm, Farmers Insurance and Allstate. They generally cannot shop your coverage around so they have to upsell other benefits. Captive agents are trained well on their products and sales techniques and that can be a competitive advantage.
Shown below is a short list of captive insurance agents in Horizon City willing to provide price quote information.
Allstate Insurance – 14010 Horizon Blvd # D – Horizon City, TX 79928 – (915) 852-7070
Independent Agents
These agents do not work for one specific company but instead can place your coverage with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to find a new agent. When shopping rates, you should always get quotes from at least one independent agent for maximum quote selection.
Below are independent agents in Horizon City who can help you get price quotes.
Allianz Insurance Co – 14350 Horizon Blvd – Horizon City, TX 79928 – (915) 852-0003
To view a complete directory of insurance agents in Horizon City, please click here.
After receiving positive responses for all questions you ask and locked in a price quote, it’s possible that you found an insurance agent that can provide car insurance coverage.
Have you considered online alternatives?
Licensed agents serve a purpose, but you can also buy Texas car insurance direct over the internet. Certain companies, such as Farmers Insurance and State Farm, who have local agents in Horizon City also give you the option to buy direct online, and that is helpful if you prefer to buy online.
If you’re worried about not having an insurance agent’s advice when buying direct, this really isn’t an issue. Online car insurance companies provide toll-free numbers to answer any questions you may have. They also make available online education and live help anytime so buying online is not difficult.
Will auto insurance cost less online? The answer is complex because of the fact that insurance companies use many factors that are calculated into your premium. Common logic is that purchasing direct online cuts out the agent as a middleman. For the majority of companies, however, there are high advertising and marketing costs so there may not be significant savings.
If you’re trying to save the most money, the best approach to discovering if the cheapest policy comes from an agent or online is to take the time to compare rates from both. Even though it sounds odd, people frequently get different pricing from online quotes as compared to agent rates from the exact same provider.
More comparisons equals lower rates
Insureds change insurance companies for a number of reasons such as questionable increases in premium, being labeled a high risk driver, policy non-renewal and even extreme rates for teen drivers. Regardless of your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.
As you shop your coverage around, never buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability coverage limits and learned later that it was a big error on their part. Your goal should be to buy enough coverage at a price you can afford while still protecting your assets.
To learn even more about car insurance
More tips and info about car insurance is located at the Texas Department of Insurance website. Texas drivers can find out which companies have the most complaints, view agent and company licensing information, and find out industry alerts.
Additional helpful sites include this page for car insurance prices in Texas and this list of agents in Horizon City, TX.