Comparing car insurance companies in Kilgore, TX can be challenging because selecting the best Kilgore auto insurance agent for your needs is harder than just making a phone call. Consumers need a decent agent, but also competitive car insurance rates.
Because you have many different company options, it can be impossible to locate the most affordable insurer.
Working with a local agent
Insurance agents can point out coverage gaps and give you peace of mind. The biggest benefit of comparing insurance prices online 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 quick form, the coverage information is instantly submitted to local insurance agents who will return price quotes for your business. You never need to leave your house because quoted prices will be sent to your email. How’s that for easy!
Deciding on an auto insurance agent should depend on more than just the bottom line cost. Some important questions to ask are:
- Are there any discounts that you might be missing?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will your rates increase after a single accident?
- How much can you save by raising your physical damage deductibles?
- Who is covered by the car insurance policy?
- Which insurance companies are they affiliated with?
- What is the agency’s Better Business Bureau rating?
- Do they feel the quoted coverages are adequate?
The type of auto insurance agent you choose is important
When researching an insurance agent, you need to know there are two different types of agents that you can select. Agents are categorized either independent (non-captive) or captive. While both can insure your vehicles, but it’s worth mentioning the differences because it can impact your selection of an agent.
Agency Captives
This type of agents work for only one company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are not able to provide prices from multiple companies so they have to upsell other benefits. They are very knowledgeable on their products and sales techniques which helps them compete with independent agents. Consumers frequently buy insurance from these agents primarily because of the prominence of the brand and strong financial ratings.
Listed below is a short list of captive insurance agencies in Kilgore willing to provide price quotes.
- Allstate Insurance – 621 Kay St – Kilgore, TX 75662 – (903) 984-1147
Independent Agents
These agents are not locked into one company so they can insure your vehicles amongst many companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part.
When shopping rates, we recommend you contact at a minimum one independent agency for maximum quote selection. They often place coverage with different regional companies who may have lower rates.
The following are Kilgore independent insurance agents that can give you price quotes.
- All American Insurance – 3401 Stone Rd – Kilgore, TX 75662 – (903) 984-6606
- Sheila Freeman Insurance – 1100 Stone Rd – Kilgore, TX 75662 – (903) 986-9610
For a complete listing of licensed insurance agents in Kilgore, please click here.
Upon receiving positive feedback to all your questions and an affordable coverage quote, you may have just found an insurance agency that will properly insure your vehicles.
But what about buying from online companies?
Car insurance agents are indespensible for some people, but you can also find affordable Texas auto insurance direct online. Certain companies like State Farm and Allstate that sell primarily through agents also permit you to buy direct online, and online price comparisons are easy if the lowest rate is your goal.
If you’re anxious about choosing your own coverages when buying direct, that is quite common when buying online the first time. Car insurance companies that allow you to purchase coverage all have toll-free customer service for getting questions answered. You can also use anytime access to help and a customer research section that you can use if you have questions.
Does coverage cost less online? The answer is complex because of the number of factors that impact your premium. Common logic is that a shopper who purchases direct saves money by not requiring a commission. In reality, advertising and marketing take a lot of money and this tends to eat up any savings.
Cheaper insurance is a realistic goal
Low-cost car insurance is attainable both online as well as from independent agents in Kilgore, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
Consumers leave their current company for many reasons like denial of a claim, questionable increases in premium, high rates after DUI convictions or an unsatisfactory settlement offer. Whatever your reason, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.
Additional detailed information is available at the Texas Department of Insurance website. Consumers can read consumer alerts, read enforcement actions against agents and companies, and find out which companies have the most complaints.
Additional helpful sites include this page for car insurance in Texas and this page of insurance agents in Kilgore.