When pricing auto insurance in Fredericksburg, TX, choosing the right Fredericksburg insurance agency is not as easy as just randomly choosing from the yellow pages. Consumers require a good professional insurance agent, but also need the lowest rates for auto insurance in Fredericksburg.
Big-name insurance companies like Allstate, Liberty Mutual and State Farm continually hit you with catchy ads and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.
Quote online but work with a neighborhood agent
Good agents can point out coverage gaps and give you someone to call. The biggest benefit of comparing insurance prices online is you may find lower rates but still work with a licensed agent.
For easy comparison, once you complete this short form, your coverage information is immediately sent to companies in Fredericksburg who will compete to get your business. You never need to even leave your home as quotes are delivered to your email. It doesn’t get any easier! Get lower rates AND an agent nearby.
Deciding on an insurance agency should depend on more than just the bottom line cost. Ask your prospective agent these questions:
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is working in the agency their full-time job?
- Which insurance companies are they affiliated with?
- Are you getting all the discounts the company offers?
- How much will you save each year by using a higher deductible?
- Are claims handled at the agent’s location?
- Do they feel the quoted coverages are adequate?
Listed below is a short list of auto insurance agents in Fredericksburg that may be willing to give price quote information.
Keith Stehling Insurance – 501 W Main St # 101, Fredericksburg, TX 78624 – (830) 997-5571
Farm Bureau Insurance – 237 Equestrian Dr, Fredericksburg, TX 78624 – (830) 997-4396
Allstate Insurance – 102 E Ufer St, Fredericksburg, TX 78624 – (830) 997-2551
Hotchkiss Insurance Inc – 602 N Llano St, Fredericksburg, TX 78624 – (830) 997-5515
Farmers Insurance Group – 206 W Driftwood Dr, Fredericksburg, TX 78624 – (830) 997-9177
State Farm Insurance – 206 W Main St, Fredericksburg, TX 78624 – (830) 997-7668
Once you have received positive feedback to your questions as well as a affordable price, you may have just found an auto insurance agent that meets your needs to adequately provide auto insurance.
Can I save by eliminating the insurance agent?
Auto insurance agents are perfect for certain consumers, but you also have the option of buying direct online. Some companies who sell through the agent channel additionally provide the ability to buy a policy online, so keep that in mind if you prefer to buy online.
If you’re apprehensive about not having an agent to talk to, that should not be a issue. Online car insurance companies that allow you to purchase coverage all provide contact methods that you can contact for information.
Does it save money buying online? Many people swear by it, but it’s difficult to answer due to the fact that there are many factors that impact your premium. It’s a logical assumption that purchasing direct online saves money by not requiring a commission. In many cases, there are high advertising and marketing costs so there may not be significant savings.
Affordable insurance is out there
As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced physical damage coverage to discover at claim time that it was a big mistake. Your aim should be to find the BEST coverage at the best price, not the least amount of coverage.
The cheapest auto insurance is available online and with local Fredericksburg insurance agents, and you should be comparing both to have the best rate selection. Some companies do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.
More detailed Texas auto insurance information is available at the Texas Department of Insurance website. Consumers can find a variety of consumer forms, file complaints about a company, and discover disciplinary actions.