If you’re trying to find a good Greenville agent, it’s recommended you start your search using online quotes rather than picking up the phone. Chances are you’re not only searching for a professional agent, but also the best rates possible.
With insurance companies like independent agents, Allstate and State Farm all competing for business in Greenville, it’s difficult to determine which car insurance agent will have the cheapest rates and the best coverage. To help decide, you can use online quoting to build a list of insurance agents from which to choose.
Buying car insurance locally
Licensed agents can point out coverage gaps and give you peace of mind. The biggest benefit of getting online price quotes is you may find the lowest rates but also keep your business local. Supporting local businesses is important particularly in Greenville.
To help locate an agent, after submitting this short form, your information is emailed to local insurance agents in Greenville who will give you bids for your business. There is no need to leave your computer due to the fact that quote results will go to the email address you provide. How cool is that?! You’ll get the best rates AND an agent nearby.
Insurance agent types
When researching a reliable agent, you need to know there are two different agency structures to choose from. Greenville agents are classified as either independent or captive.
Independent Agents (or Brokers)
These agents are not required to write business for one company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part. When comparison shopping, we recommend you include price quotes from several independent insurance agents to ensure the widest selection of prices.
Listed below is a list of independent agencies in Greenville that can give you price quotes.
Sullivan Insurance – 2206 Traders Rd # 100 – Greenville, TX 75402 – (903) 450-0044
Walker Insurance – 4319 Wesley St – Greenville, TX 75401 – (903) 455-2793
Agency Captives
This type of agents can only write with one company like State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to compare other company’s rates so it’s a take it or leave it situation. These agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
Listed below is a short list of captive insurance agents in Greenville that can give you price quote information.
Allstate Insurance – 9801 Wesley St # 103 – Greenville, TX 75402 – (903) 454-6417
State Farm Insurance – 5604 Wesley St # 101 – Greenville, TX 75402 – (903) 455-0474
For a full directory of captive agencies in Greenville, visit this site.
Choosing an insurance agency needs to be determined by more than just a cheap price. Any agent should be forthright in answering these questions:
- What insurance companies do they work with?
- How many years of experience in personal lines insurance coverages do they have?
- Can they provide you with a list of referrals?
- Which members of your family are coverage by the policy?
- Which company do they place the most coverage with?
Once you have reasonable responses to any questions you have as well as a affordable price, you may have just found an insurance agent that is a good match to insure your vehicles.
Online companies should be in the mix
Licensed agents are perfect for certain consumers, but you also have the option of buying Texas car insurance direct from companies online. Some companies like Allstate and State Farm who sell through agents in Greenville also let you 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, this is a normal reaction for first-time shoppers. All companies all have toll-free customer service for answering any questions you have.
Is pricing better online? Whether or not you’ll save is impossible to say due to the large number of individual components that impact your premium. Common logic is that a customer who purchases direcly from an online company saves the cost of an agent commission. But truthfully, online and traditional media advertising are expensive and this drives up their premium costs.
More comparisons equals lower rates
As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. There are many occasions where an insured dropped uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at a price you can afford.
Discount car insurance can be bought from both online companies as well as from independent agents in Greenville, so compare prices from both to have the best selection. A few companies don’t offer online quoting and these small insurance companies work with independent agents.
To learn even more about car insurance
Additional information can be read on the website for the Texas Department of Insurance through this link. Texas drivers can learn about specific coverages, view agent and company licensing information, read enforcement actions against agents and companies, and download brochures.