Finding good auto insurance in Borger can be challenging since there are a lot of options and selecting the best Borger car insurance agent for your needs takes more work than just calling the closest agent. Most likely you’re looking for a competent insurance agent, but you also need affordable coverage.
With insurance companies like American Family, Allstate, State Farm and independent agents having offices in Borger, consumers have a hard time knowing which provider will provide you with the cheapest rates and the best coverage. To begin, consumers can use insurance quotes online in order to build a list of agencies and thier coverage prices.
How to find Borger insurance agents online
Agents can answer important questions and help file insurance claims. The biggest benefit of price shopping on the web is the fact that you can find the lowest rates but still work with a licensed agent. Buying from small agencies is definitely important in Borger.
To find an agent, once you fill out this form (opens in new window), your insurance data is instantly submitted to companies in Borger who will battle to get your business. You won’t need to drive around as quotes are delivered to the email address you provide. It doesn’t get any easier! It’s the lowest rates AND a local agent.
Best auto insurance agent in Borger
When finding a good insurance agency, there are a couple of different agency structures that differ in how they can insure your vehicles. Insurance agencies in Borger are classified as either independent (non-captive) or captive.
Independent Agents
Independent agents are not locked into one company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent.
When comparison shopping, it’s a good idea to include at least one independent agent to ensure the widest selection of prices.
Shown below are Borger independent insurance agencies that are able to give rate quotes.
American National Insurance Co – 401 S Hedgecoke St – Borger, TX 79007 – (806) 274-7145
Les Hargis Insurance – 603 W 3rd St – Borger, TX 79007 – (806) 273-7564
Chip Martin Agency – 402 S Main St – Borger, TX 79007 – (806) 273-9740
Captive Insurance Agents
This type of agents work for only one company like Allstate, State Farm and Farmers Insurance. They generally cannot place coverage with different providers so they have no alternatives for high prices. Captive agencies are well schooled in insurance sales which helps them compete with independent agents.
Below is a short list of captive agencies in Borger who can help you get price quotes.
Allstate Insurance – 1300 S Cedar St – Borger, TX 79007 – (806) 274-5301
State Farm Insurance – 1201 S Cedar St – Borger, TX 79007 – (806) 273-3795
To view a complete directory of captive agencies in Borger, click here to link.
Choosing an auto insurance agent shouldn’t rely on just the bottom line cost. Any agent should be forthright in answering these questions:
- Can they give you a list of client referrals?
- How long has their agency been open in Borger?
- Which members of your family are coverage by the policy?
- Are you getting all the discounts the company offers?
- What insurance company do they write the most business with?
- Do they regularly work with personal auto policies?
Upon getting satisfactory answers to any questions you have as well as a affordable price, you have narrowed it down to an auto insurance agent that meets your needs to adequately provide auto insurance.
Can you save by buying online?
Car insurance agents can be invaluable at times, but Texas drivers can also buy from online companies direct. A few companies, such as State Farm, Allstate and Farmers, who employ agents additionally provide the ability to buy a policy online, so keep that in mind.
If you’re uneasy about whether or not you’ll have guidance, that shouldn’t be an issue. Online insurance companies that require consumers to choose their own coverages all have client service departments to help you decide which coverages are appropriate.
Do online companies provide lower prices? It’s difficult to say for sure because of the number of factors that impact your premium. It’s often assumed that buying car insurance online cuts out the agent as a middleman. For most companies selling online, however, online and traditional media advertising are expensive and those expenses can offset most of the savings by selling direct.
If the lowest price is important, the best way to know if the cheapest policy comes from an agent or online is comparing prices for both of them. It’s even possible to receive different pricing using an online quote and an agent quote from the same insurance company. It’s difficult to tell whether the best rates are online or from an agent until you actually compare rates both ways.
Much more information about auto insurance in Texas can be read on the website for the Texas Department of Insurance located here. Texas drivers can report car insurance fraud, read consumer alerts, and discover disciplinary actions.
Other informative sites include III.org’s auto insurance page and this resource to find Borger, TX insurance agents.
Smart shoppers get results
As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability limits or collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage at the best price while not skimping on critical coverages.
Drivers change insurance companies for a variety of reasons including an unsatisfactory settlement offer, delays in responding to claim requests, policy cancellation and high rates after DUI convictions. No matter why you want to switch, finding a new auto insurance company can be pretty painless.