To locate a good Mineola agent, you can always do an initial search on the web to save time. There is a good chance you want a professional agent, but you also want to find the best rates possible.
With companies like American Family, Allstate, State Farm and Farmers having local Mineola offices, it’s hard to tell which will give you the best rates, service and coverage. Thankfully, consumers can get online quotes to build a list of insurance agencies to choose from.
Mineola agents for car insurance
Professional agents are trained to spot inefficiencies and help submit paperwork. The best thing about price shopping on the web is you can get lower rates but also keep your business local. Buying from local agencies is important particularly in Mineola.
After filling out this simple form, your insurance coverage information is emailed to agents in your area who will compete for your business. You never need to even leave your home as quotes are delivered directly to your email. How cool is that?! You can find the lowest rates AND an agent nearby.
What type of Mineola insurance agency is right for you?
When finding a good Mineola insurance agent, you need to know there are two different agency structures to choose from. Mineola agents can either be captive or independent (non-captive).
Independent Agents (or Brokers)
Independent agencies do not work for one specific company but instead can place your coverage with lots of companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent. When shopping rates, it’s recommended you include price quotes from multiple independent agents to get the best comparison.
Shown below is a short list of independent agencies in Mineola who may be able to give you competitive price quotes.
Chambliss Insurance – 106 W Broad St – Mineola, TX 75773 – (903) 569-2685
Bruner Insurance – 301 W Broad St – Mineola, TX 75773 – (903) 569-2616
Lewis Watkins Agency – 6474 S State Highway 37 – Mineola, TX 75773 – (903) 569-5115
Captive Insurance Agents
These agents work for only one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. They are unable to give you multiple price quotes so always compare other rates. They are very knowledgeable on their products and sales techniques which can be an advantage.
Below are captive insurance agencies in Mineola that can give you price quote information.
Allstate Insurance – 1043 N Pacific St – Mineola, TX 75773 – (903) 569-1790
For a complete listing of car insurance agents in Mineola, view this link.
Picking an insurance agent requires more thought than just a low price. These questions are important to ask:
- Does the agency provide any after hours assistance?
- Which insurance companies are they affiliated with?
- Are claims handled at the agent’s location?
- Is working in the agency their full-time job?
- Did they already check your driving record and credit reports?
- Is the agent and/or agency licensed to do business in Texas?
- Will your rates increase after a single accident?
Once you have received positive feedback to all your questions as well as a affordable price, most likely you have located an insurance agency that meets your needs to insure your vehicles.
Are online companies an option?
Car insurance agents serve a purpose, but you also have the option of buying Texas car insurance direct from companies online. Certain auto insurance companies like Allstate and State Farm who have local Mineola agents also allow you to get quotes and purchase online, and that is helpful if you are the do-it-yourself type.
If you’re anxious about whether or not you’ll have guidance when buying online, that is normal but is not a big issue. Online car insurance companies have customer service departments to help you decide which coverages are appropriate. Additionally, most companies also offer live help and 24/7 access to make it easier to purchase.
Do online companies have better rates? Many people think so, but it’s hard to say for sure since there are so many factors that influence the price you pay. It’s a logical assumption that a shopper who purchases direct cuts out the agent as a middleman. But the fact is, marketing expenses are significant and that can quickly cost more than paying an agent.
A tidy conclusion
Insureds switch companies for a variety of reasons including not issuing a premium refund, high prices, policy cancellation and even delays in responding to claim requests. Regardless of your reason, finding the right car insurance provider can be less work than you think.
Lower-priced car insurance is definitely available online in addition to many Mineola insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.
Additional car insurance information can be read on the website for the Texas Department of Insurance found here. Texas drivers can view a list of available companies, get help finding coverage, find disaster information, and download brochures.