To locate an insurance agent in Lampasas, Texas, you can do the preliminary legwork on the internet instead of calling around. For this article’s sake, it’s assumed you’re not only searching for a good agent, but also affordable coverage.
With companies like independent agents, Allstate and State Farm all competing for business in Lampasas, it can be hard to know which one will provide you with the cheapest rates and the best coverage. Thankfully, consumers can get insurance quotes online to assemble a group of insurance agents and price estimates.
Price shop online but buy from a local Lampasas agent
Licensed agents are trained to spot inefficiencies and give you someone to call. One of the great benefits of comparing rates online is that you can obtain better rates and still have an agent to talk to. And providing support for local businesses is especially important in Lampasas.
To find an agent, once you fill out this form (opens in new window), your coverage information is instantly submitted to participating agents in Lampasas who will give you bids to get your business. You won’t need to leave your house because quoted prices will be sent straight to your inbox. Now that’s easy!
Insurance agent types
When finding an insurance agent, you must know there are a couple different agency structures to choose from. Agencies in Lampasas are classified as either independent or captive. While both can do a good job, but it’s worth learning the differences because it can influence the type of agent you choose
Independent Agents
Independent agents are not locked into one company but instead can place your coverage amongst many companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally without you having to go to a different agency.
When comparing rates, you should always get quotes from at a minimum one independent agency for maximum quote selection.
Listed below is a list of independent insurance agencies in Lampasas that can give you competitive price quotes.
Freeman Insurance – 101 E 1st St – Lampasas, TX 76550 – (512) 556-3466
Dale Deshazo Insurance – 310 E 4th St – Lampasas, TX 76550 – (512) 556-5722
Agency Captives
Captive insurance agents are contracted to one company and some examples include Farmers Insurance or State Farm. They usually cannot compare other company’s rates so they have no alternatives for high prices. Captive agents receive extensive training on their products and sales techniques which helps them compete with independent agents.
Listed below is a list of captive agents in Lampasas that are able to give price quotes.
Farm Bureau Insurance – 1793 N Us Highway 281 – Lampasas, TX 76550 – (512) 556-6271
For a full directory of Lampasas captive agencies, click here to link.
Deciding on a car insurance agent shouldn’t rely on just a low price. Agents should be asked these questions:
- Do they specialize in personal lines coverage?
- Which members of your family are coverage by the policy?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Did they already check your driving record and credit reports?
- Does the agency provide any after hours assistance?
- Does the company allow you to choose your own collision repair facility?
- Will their companies depreciate repairs to your car based on the mileage?
- Which insurance companies are they affiliated with?
Once you have satisfactory answers to your questions in addition to an acceptable price estimate, chances are good that you have found a car insurance agent that is a good match to provide car insurance coverage.
Consider all the options when buying car insurance
Car insurance agents are perfect for certain consumers, but Texas car insurance can also be bought direct from companies online. Some car insurance companies, such as Farmers Insurance and State Farm, who have local agents in Lampasas also give you the ability to buy online. This is something to consider if you prefer not to work with an agent.
If you’re worried about not getting proper coverage when shopping online, that should not be a issue. Online car insurance companies all have client service departments to walk you through the process.
Is auto insurance cheaper online? Many people swear by it, but it’s difficult to answer because of the number of factors which can raise or lower premium rates. Some people think that a shopper who purchases direct lowers rates due to not having any agent compensation. For most companies selling online, however, the cost of constant advertising is expensive so rates may not be all that different from traditional agents.
Learn more about car insurance in Texas
More information can be read on the website for the Texas Department of Insurance located here. Consumers can find a variety of consumer forms, read enforcement actions against agents and companies, and learn about specific coverages.
Smart shoppers get results
Lower-priced car insurance is definitely available online as well as from independent agents in Lampasas, so compare prices from both to have the best selection. Some insurance companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.
When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced full coverage only to discover later they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.