To find a good Cameron agent, we recommend you start your search for an agent online rather than picking up the phone. For the sake of this article, we’ll assume you require not only a highly trained agent, but you also want the lowest possible price.
With insurance companies like Allstate, Farmers, State Farm and many independent agents all competing for business in Cameron, it can be hard to know which will give you the cheapest rates and the best coverage. To begin, consumers can get online quotes in order to build a list of insurance agents to choose from.
Why do I need an agent?
Professional agents can answer important questions and give you someone to call. One of the best bonuses of price shopping on the web is that you can obtain lower rates and still have an agent to talk to. Supporting local insurance agencies is definitely important in Cameron.
After filling out this quick form, your information is sent to local insurance agents in Cameron who will compete to get your business. You don’t have to leave your computer since price quotes are sent immediately to your email address. It doesn’t get any easier!
The difference between Cameron insurance agencies
When searching for a reputable insurance agent or broker, there are two different types of agents that you can select. Agents are categorized either independent (non-captive) or captive. Both types can write coverage properly, but it’s worth mentioning the differences because it can influence your selection of an agent.
Independent Agents (or Brokers)
Independent agencies are not locked into one company but instead can place your coverage with lots of companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to find a new agent. When comparison shopping, it’s recommended you get quotes from at least one independent agent for maximum quote selection. They also have the ability to place coverage with lesser-known insurance companies which may provide better rates.
Below is a list of independent insurance agencies in Cameron willing to provide rate quotes.
- Rubac Insurance – 1112 County Road 206 – Cameron, TX 76520 – (254) 697-4683
- Julie Sulak Insurance – 111 W 2nd St – Cameron, TX 76520 – (254) 697-4971
Agency Captives
Captive agencies write business for a single company like State Farm or Allstate. Captives cannot place coverage with different providers so keep that in mind. Captive agents are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. Some people will only purchase coverage from captives partially due to the prominence of the brand and solid financial strength.
The following is a short list of captive agents in Cameron that can give you comparison quotes.
- Farm Bureau Insurance – 110 N Travis Ave – Cameron, TX 76520 – (254) 697-6488
For a full directory of Cameron captive agencies, go to this page.
Choosing an insurance agent should depend on more than just a cheap price. Any agent should be forthright in answering these questions:
- Does the agency support the community they serve?
- How many years of experience in personal lines insurance coverages do they have?
- What insurance companies do they work with?
- What will you get paid if your car is a total loss? How is that amount determined?
- How long has their agency been in business in Cameron?
- Who are their largest clients?
Once you have received acceptable answers to any questions you have and locked in a price quote, you have narrowed it down to a car insurance agent that can properly insure your vehicles.
Alternatives to local insurance agents
Professional insurance agents are a valuable resource, but you can also buy Texas car insurance from companies direct over the internet. Some companies, such as State Farm, Allstate and Farmers, who employ agents also give you the ability to buy a policy online, so keep that in mind and can also potentially find you lower rates.
If you’re anxious about not having an insurance agent’s advice when buying direct, don’t be too concerned. Online car insurance companies provide customer service to answer any questions you may have.
Can you save money buying online? That question is hard to answer because there are a lot of things which can raise or lower premium rates. Some people think that buying car insurance online saves money because there is no commission. But that assumption is generally incorrect because marketing expenses are significant so rates may not be all that different from traditional agents.
More information is located on the Texas Department of Insurance website located here. Texas consumers can read enforcement actions against agents and companies, learn about specific coverages, and view agent and company licensing information.
In Summary
Budget-conscious auto insurance is attainable from both online companies in addition to many Cameron insurance agents, and you should compare price quotes from both to have the best selection. Some auto insurance companies do not provide online quoting and many times these small, regional companies only sell through independent insurance agents.
As you prepare to switch companies, do not reduce needed coverages to save money. In many cases, consumers will sacrifice uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible for the lowest price.