When searching for a good insurance agent in Rockdale, Texas, you can always do the preliminary legwork by getting online comparison quotes instead of calling around. Chances are you’re looking for a good professional insurance agent, but you also want to find great rates as well.
With insurance companies like American Family, Allstate, State Farm and Farmers all competing for business in Rockdale, consumers have a hard time knowing which provider will provide the cheapest rates and the best coverage. To begin, it’s easy to use online price quotes to assemble a group of insurance agents and thier coverage prices.
Why do I need an agent?
Good agents can point out coverage gaps and help file insurance claims. The best thing about getting online price quotes is that you can obtain the lowest rates and still have an agent to talk to. Buying from local insurance agencies is especially important in Rockdale.
Once you complete this quick form, your insurance data gets sent to insurance agents in Rockdale who will give you bids for your business. There is no reason to leave your computer since price quotes are sent to your email. How cool is that?!
Do you need an independent or captive insurance agent?
If you’re trying to find an insurance agent, there are two types of insurance agents that you can select. Rockdale agents are categorized either independent (non-captive) or captive. Both properly insure your vehicles, but it’s worth learning the differences since it can impact the selection process.
Independent Agents (or Brokers)
Independent agents do not work for one specific company so they can insure your vehicles with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent.
When searching for an agent, it’s recommended you get quotes from at least one independent agent to ensure the widest selection of prices.
The following are Rockdale independent insurance agents willing to provide rate quotes.
Camp Insurance Network Of Tx – 1707 W Cameron Ave – Rockdale, TX 76567 – (512) 446-2556
Nationwide Insurance – 1514 W Cameron Ave – Rockdale, TX 76567 – (512) 446-0044
Agency Captives
Captive agents have only one company to place business with like Liberty Mutual, Allstate, Farmers Insurance or State Farm. They are unable to shop your coverage around so keep that in mind. Captive agents are trained well on the products they sell and that can be a competitive advantage.
Shown below are captive insurance agents in Rockdale willing to provide price quote information.
Farm Bureau Insurance – 237 Ackerman St – Rockdale, TX 76567 – (512) 446-5156
State Farm Insurance – 738 W Cameron Ave – Rockdale, TX 76567 – (512) 446-2554
For a full directory of captive agencies in Rockdale, view this link.
Selecting an auto insurance agent needs to be determined by more than just a cheap price. Some important questions to ask are:
- What insurance companies do they work with?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Is working in the agency their full-time job?
- Will their companies depreciate repairs to your car based on the mileage?
- Does the agency provide any after hours assistance?
After receiving answers to your satisfaction to these questions in addition to an acceptable price estimate, you have narrowed it down to an insurance agent that is a good match to insure your vehicles.
Buying car insurance direct is an option
Car insurance agents are important to many people, but Texas drivers can also buy from companies direct over the internet. Certain companies, such as Farmers Insurance and State Farm, who employ agents also give you the ability to buy direct on their websites, and that is helpful if the lowest rate is your goal.
If you’re uneasy about having to choose coverages yourself when buying online, this is a normal reaction for first-time shoppers. Online companies that require consumers to choose their own coverages give you access to trained agents for getting questions answered. In addition, they usually offer 24/7 live help and a car insurance FAQ section so you can feel comfortable buying online.
Do online companies provide lower prices? It’s difficult to say for sure because there are many components that influence the price you pay. Some people will tell you that going direct lowers rates due to not having any agent compensation. But in reality, online and traditional media advertising are expensive and that can cost more than having to pay agents.
Smart shoppers get results
Low-cost auto insurance can be purchased both online and with local Rockdale insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.
When you buy insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where an insured cut liability coverage limits only to find out they didn’t have enough coverage. The proper strategy is to purchase a proper amount of coverage at a price you can afford.
Additional information is available on the website for the Texas Department of Insurance. Click here for link. Consumers can find out industry alerts, learn about insurance regulations, and view agent and company licensing information.