When pricing auto insurance in Tulia, Texas, choosing the right Tulia insurance agent is not as easy as just driving to the closest agent’s office. Most likely you want a professional licensed agent, but you also want to find great rates as well.
With companies like State Farm, Allstate, Farmers and independent agents all competing for your business, it’s hard to tell which insurance agency will provide the lowest rates and best service. To begin, it’s easy to use online price quotes to assemble a group of agents from which to choose.
How to compare Tulia auto insurance rates
Insurance agents are trained to spot inefficiencies and give you peace of mind. The best thing about comparing insurance prices online is you may find the best rates but also keep your business local. Supporting local businesses is important especially in Tulia.
After completing this short form, your coverage information is submitted to insurance agents in Tulia who will battle to get your business. There is no need to even leave your home due to the fact that quote results will go straight to your inbox. It doesn’t get any easier!
Choose the right car insurance agent
When searching for an insurance agent, there are two types of agencies that you can select. Agents are classified as either independent (non-captive) or captive. While both can do a good job, but it’s worth learning the difference between them because it can impact the type of agent you choose
Independent Insurance Agents
Independent insurance agents are not required to write business for one company so they can insure your vehicles with many different companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent. When comparison shopping, you should always get quotes from at least one independent agent to get the best comparison.
The following is a short list of independent agencies in Tulia that are able to give rate quotes.
Ed Rogers Insurance – 529 N Highway 87 – Tulia, TX 79088 – (806) 995-3541
Sadler-Chapman-Howard Agency – 132 W Broadway Ave – Tulia, TX 79088 – (806) 995-2755
Captive Agents
Captive insurance agents have only one company to place business with such as State Farm, Allstate and AAA. Captives cannot provide prices from multiple companies so they are skilled at selling on more than just price. These agents are very knowledgeable on the products they sell which helps them compete with independent agents.
Choosing an insurance agency requires more thought than just the price. Some important questions to ask are:
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they specialize in personal lines coverage?
- Which insurance companies are they affiliated with?
- If your car is totalled, how to they determine the replacement cost?
- Can they provide you with a list of referrals?
- Which members of your family are coverage by the policy?
Upon receiving reasonable responses for all questions you ask and an affordable coverage quote, most likely you have located a car insurance agent that meets your needs to adequately provide auto insurance.
Is buying direct online an option?
Insurance agencies are indespensible for some people, but you can also buy Texas car insurance directly from online companies. Some companies like Allstate and State Farm who employ agents also permit you to buy a policy online, and that is helpful if you want to do it yourself.
If you’re concerned about selecting your own policy coverages, this is expected but don’t let that bother you. Car insurance companies that allow you to purchase coverage have customer service departments to walk you through the process.
Can you find lower rates online? It’s hard to say exactly because there are a lot of things that determine the price you pay. It’s a common assumption that buying online saves money by not requiring a commission. For most companies selling online, however, promoting brand recognition is pricey so this can offset any savings.
The best way to determine if the best rates are online or from local agents is to make apples-to-apples comparisons of both. You could possible even receive different price quotes for the exact same company when they get quotes from both. You won’t discover which is cheaper without quoting coverages for both.
Compare but don’t skimp
As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where an insured cut liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at the best price while not skimping on critical coverages.
People switch companies for a variety of reasons including high prices, poor customer service, unfair underwriting practices or an unsatisfactory settlement offer. Whatever your reason, choosing a new insurance company can be easier than you think.
Much more information about auto insurance in Texas can be read on the website for the Texas Department of Insurance found here. Texas drivers can read consumer alerts, discover disciplinary actions, and find out which companies have the most complaints.