When buying auto insurance in Granite Shoals, choosing the right Granite Shoals auto insurance agent takes more work than just making a phone call. We’re guessing you’re not only searching for a good agent, but you also need great rates as well.
With companies like Allstate, Farmers and State Farm as well as independent agents all competing for your business, it can be hard to know which insurance agency will give you the best service and rates. To begin, you can use online quotes to get a list of agents from which to choose.
Car Insurance through a local Granite Shoals agent
Agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of getting online price quotes is you may find the best rates and still have an agent to talk to. And providing support for local insurance agencies is definitely important in Granite Shoals.
After completing this form (opens in new window), your coverage information is sent to local insurance agents who will return price quotes for your business. You never need to leave your house as quotes are delivered directly to your email. How’s that for easy! It’s the lowest rates AND a local agent.
What types of car insurance agents are in Granite Shoals?
When searching for a good Granite Shoals insurance agent, there are a couple of types of agencies to choose from. Granite Shoals agents are either captive or independent (non-captive).
Independent Agents (or Brokers)
Independent insurance agents do not work for one specific company but instead can place your coverage amongst many companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, it’s a good idea to include price quotes from at a minimum one independent agency to have the most options to choose from.
Shown below are independent agents in Granite Shoals who may be able to give you competitive price quotes.
Rick Kent Insurance – 704 Scarlet Sun St – Granite Shoals, TX 78654 – (830) 598-9617
Safeco Insurance – – Granite Shoals, TX 78654 – (830) 596-2100
Captive Agents
Captive insurance agents can only place business with one company such as American Family, Liberty Mutual and AAA. Captives cannot provide prices from multiple companies so they have no alternatives for high prices. Captive agents receive extensive training in insurance sales which can be an advantage.
Deciding on an insurance agency needs to be determined by more than just a cheap price. Ask your prospective agent these questions:
- What will you get paid if your car is a total loss? How is that amount determined?
- What are the financial ratings for the companies they represent?
- How long has their agency been in business in Granite Shoals?
- How are they compensated?
- How many years of experience in personal lines insurance coverages do they have?
- Which company do they place the most coverage with?
- Are they properly licensed to sell insurance in Texas?
- Did they already check your driving record and credit reports?
Upon receiving answers to your satisfaction to your questions and locked in a price quote, you have narrowed it down to an insurance agency that is a good match to properly insure your vehicles.
Have you considered online alternatives?
Insurance agents are a valuable resource, but Texas car insurance can also be bought direct from companies that only sell online. Certain companies who have local agents in Granite Shoals additionally provide the ability to quote and buy online. This is something to consider if you prefer not to work with an agent.
If you’re uncomfortable with not getting proper coverage, don’t let it bother you. Online insurance companies that require consumers to choose their own coverages all provide contact methods for answering any questions you have.
Is auto insurance cheaper online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say due to the fact that there are multiple individual factors that can increase policy rates. It’s often assumed that buying car insurance online prevents the agent from taking a cut. But in reality, it’s expensive to advertise so the lack of a commission may be a wash.
When trying to find the best rates, the only way to determine who has the best rates, online companies or local insurance agents, is to take the time to compare rates from both. It’s possible to get different rates when comparing agent prices to online quotes from the SAME company. It’s difficult to tell which way will be cheaper without quoting coverages each way.
For more reading
Additional information can be found on the website for the Texas Department of Insurance located here. Visitors are able to read consumer alerts, read enforcement actions against agents and companies, learn about specific coverages, and find out which companies have the most complaints.
Quote often and quote early
As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed collision coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to purchase plenty of coverage at a price you can afford.
People change insurance companies for a number of reasons such as denial of a claim, policy cancellation, delays in responding to claim requests or even delays in paying claims. Whatever your reason, switching companies is less work than it seems.