When shopping for car insurance, finding the best Texas auto insurance agent is more difficult than just calling the closest agent. Consumers need a competent insurance agent, but also the best price on car insurance.
Companies like State Farm, GEICO and Farmers Insurance all promote huge savings with catchy ads and it is difficult to ignore the flying pigs and cute green geckos and find the best price available.
Quote online but work with a neighborhood agent
Agents can answer important questions and help in the event of a claim. One of the best bonuses of getting online price quotes is the fact that you can find the best rates but still work with a licensed agent.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information gets sent to local insurance agents who will return price quotes for your coverage. There is no reason to drive around since price quotes are sent directly to your email. Now that’s easy! It’s the lowest rates AND a local agent.
Deciding on an insurance agent requires more thought than just a cheap price. Some important questions to ask are:
- If you have an accident, will your rates go up?
- How much can you save by raising your physical damage deductibles?
- How are they compensated?
- Who is covered by the car insurance policy?
- Are they properly licensed to sell insurance in Texas?
Types of insurance agencies in Lancaster
When finding local Lancaster agents, there are two different types of agents that differ in how they can insure your vehicles. Lancaster agents are categorized either captive or independent (non-captive).
Captive Insurance Agents
Captive agents write business for a single company such as AAA, Allstate and State Farm. These agents are unable to shop your coverage around so they have to upsell other benefits. They receive extensive training on their company’s products which helps them sell insurance even at higher premiums.
Shown below is a short list of captive insurance agencies in Lancaster that are able to give rate quotes.
Allstate Insurance – 1450 W Pleasant Run Rd # 240 – Lancaster, TX 75146 – (972) 227-0490
State Farm Insurance – 183 Historic Town Sq – Lancaster, TX 75146 – (972) 227-2408
Farm Bureau Insurance – 3380 N Interstate 35 E – Lancaster, TX 75134 – (972) 224-8247
Independent Agents
Independent insurance agents are not employed by any specific company so they have the ability to put coverage with many different companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies. When comparison shopping, you should always contact multiple independent agents to ensure the widest selection of prices.
Listed below are Lancaster independent agencies that are able to give price quote information.
Willis Insurance – 3215 W Pleasant Run Rd # 103a – Lancaster, TX 75146 – (972) 224-7182
Taylor Agency – 330 W Pleasant Run Rd – Lancaster, TX 75146 – (972) 218-8166
Farm Bureau Insurance – 3380 N Interstate 35 E – Lancaster, TX 75134 – (972) 224-8247
For a full directory of Lancaster insurance agents, visit this link.
After receiving answers to your satisfaction to any questions you have and locked in a price quote, you may have just found an insurance agency that will service your policy.
Can I save by buying online?
Auto insurance agents can be invaluable at times, but Texas consumers also have the option to buy direct from companies that only sell online. Even companies, such as Farmers Insurance and State Farm, who have local agents in Lancaster also give you the option to get quotes and purchase online, so keep that in mind if finding the best price is important.
If you’re worried about not getting proper coverage when shopping online, this really isn’t an issue. Car insurance companies all have client service departments you can use to get advice on coverages. Also available are live chat and online tools to clarify any questions you may have.
Does buying online save money? That question is hard to answer since there may be dozens of rate factors that influence your rates. Some people think that buying online cuts out the middleman. But in most cases, marketing their products costs a lot of money and this drives up their premium costs.
Smart shoppers get results
Drivers switch companies for a number of reasons such as high prices, denial of a claim, lack of trust in their agent and even high rates after DUI convictions. Whatever your reason, switching car insurance companies is not as hard as you think.
Budget-conscious car insurance can be sourced online and also from your neighborhood Lancaster agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
More tips and info about car insurance can be found at the Texas Department of Insurance website. Visitors are able to download brochures, read state legal mandates and laws, and get help finding coverage.
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