Selecting a auto insurance company in Sherman, Texas can be time consuming since finding the best Texas car insurance agent is not as easy as just using the same insurance agency as your neighbor. It’s likely you not only want a professional agent, but you also want to find the best rates possible.
With companies like American Family, Allstate, State Farm and independent agents all competing for your business, consumers have a hard time knowing which will have the cheapest rates and the best coverage. To help decide, you can use online quoting to build a list of agents to choose from.
Buying auto insurance from a local Sherman agent
Agents can answer important questions and give you someone to call. One of the great benefits of getting online price quotes is that you can obtain the lowest rates and still choose a local agent. And supporting local agencies is definitely important in Sherman.
To help locate an agent, after submitting this quick form, your insurance data is instantly submitted to agents in your area who will battle for your coverage. There is no reason to drive around as quotes are delivered to your email. How cool is that?!
Sherman insurance agencies come in two flavors
If you’re trying to find local Sherman agents, you need to know there are two types of agencies to choose from. Sherman agents are categorized either captive or independent. Either one can properly insure your vehicles, but it’s important to know the difference between them because it can impact the selection process.
Independent Insurance Agents
Independent agencies are not required to write business for one company but instead can place your coverage with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you don’t have to find a new agent. When shopping rates, you should always include price quotes from at least one independent agent for maximum quote selection.
Listed below are independent insurance agencies in Sherman that can give you competitive price quotes.
Tom Shields Agency – 115 S Travis St # 3 – Sherman, TX 75090 – (903) 870-0267
Direct General Ins Agency – 1612 Texoma Pkwy – Sherman, TX 75090 – (903) 813-4703
Vogel Agency – 5621 Texoma Pkwy – Sherman, TX 75090 – (903) 892-0380
Dorita Gant Insurance – 431 N Rusk St – Sherman, TX 75090 – (903) 893-4731
Garland Insurance – 119 E Lamar St – Sherman, TX 75090 – (903) 893-1633
Captive Agents
Captive insurance agents write business for a single company and some examples include State Farm, AAA and Liberty Mutual. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. Captives are very knowledgeable on the products they sell which helps them compete with independent agents.
The following are Sherman captive insurance agents willing to provide rate quotes.
Allstate Insurance – 1425 W Houston St – Sherman, TX 75092 – (903) 868-2999
State Farm Insurance – 500 E Peyton St – Sherman, TX 75090 – (903) 813-3400
Texas Farm Bureau – 2003 Texoma Pkwy – Sherman, TX 75090 – (903) 891-3626
Farmers Insurance Group – 320 N Travis St # 305 – Sherman, TX 75090 – (903) 893-6060
To view a full list of captive agencies in Sherman, click here to link.
Deciding on an insurance agent should depend on more than just the price. Some important questions to ask are:
- How long has their agency been open in Sherman?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they review policy coverages at every renewal?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- How much can you save by raising your physical damage deductibles?
- Are they properly licensed to sell insurance in Texas?
Upon receiving positive feedback to any questions you have and an acceptable price quote, you’ve probably found an insurance agent that is a good match to provide auto insurance coverage.
Include online companies when price shopping
Insurance agents are perfect for certain consumers, but Texas drivers can also buy direct from companies online. Some specific companies who employ agents also give you the ability to get a quote and buy online, so keep that in mind.
If you’re anxious about not getting proper coverage when buying direct, that is normal but is not a big issue. Online companies provide phone numbers and online resources for customer questions. Also available are the ability to chat online live with a sales rep and online research that can help answer basic questions.
Are car insurance rates lower online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because there are so many things that can increase policy rates. It’s logical to say that buying direct lowers rates due to not having any agent compensation. But in most cases, the cost of constant advertising is expensive so the rates may be similar to buying from an agent.
Better coverage you can count on
Budget-conscious auto insurance is definitely available from both online companies and with local Sherman insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.
Drivers leave their current company for a number of reasons such as lack of trust in their agent, high rates after DUI convictions, questionable increases in premium and poor customer service. Whatever your reason, finding the right auto insurance provider is not as hard as you think.
More consumer information in Texas
Additional auto insurance information is available on the website for the Texas Department of Insurance located here. Visitors are able to view a list of available companies, discover disciplinary actions, read industry bulletins, and find disaster information.