When finding an insurance agent in Midland, Texas, you can start your search on the web instead of calling around. The chances are good you’re not only searching for a friendly agent, but you also want the lowest possible price.
With companies like American Family, Allstate, State Farm and Farmers all competing for business in Midland, it can be hard to know which will have the best service and rates. Thankfully, you can use online quoting in order to build a list of insurance agents to choose from.
Quote online but work with a neighborhood agent
Licensed agents can answer important questions and help in the event of a claim. One of the best bonuses of getting online price quotes is that you can obtain lower rates but still work with a licensed agent. And supporting local insurance agencies is definitely important in Midland.
After filling out this simple form, the coverage information is instantly submitted to agents in your area who will compete for your insurance coverage. There is no need to visit any agencies since price quotes are sent to your email. Now that’s easy! You can find the lowest rates AND a local agent.
Is a captive or independent auto insurance agent right for you?
When looking for an insurance agent, there are a couple of different agency structures that differ in how they can insure your vehicles. Midland agents are classified as either captive or independent.
Independent Agents (or Brokers)
These agents do not work for one specific 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, your agent can switch companies and that require little work on your part. When comparing rates, you should always include at a minimum one independent agency to ensure the widest selection of prices. They also have the ability to place coverage with smaller companies which may provide better rates.
Listed below are independent agencies in Midland willing to provide price quotes.
- Ashmore Agency – 110 W Louisiana Ave # 310 – Midland, TX 79701 – (432) 620-8848
- Michael Womack Insurance – 6 Desta Dr – Midland, TX 79705 – (432) 687-3300
- Insurance Store – 1308 S Midkiff Rd – Midland, TX 79701 – (432) 618-0448
- Reeves Insurance Agency – 1015 N Midkiff Rd – Midland, TX 79701 – (432) 689-8166
- Ervin Agency – 3100 N A St # D – Midland, TX 79705 – (432) 682-3717
Captive Agents
Captive agents have only one company to place business with and some examples include Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to compare other company’s rates so it’s a take it or leave it situation. Captive agencies are trained well on the products they sell which can be an advantage. Consumers sometimes purchase coverage from captives partially due to high brand loyalty and strong financial ratings.
The following are Midland captive agents that are able to give price quotes.
- State Farm Insurance – 4000 N Big Spring St # 102 – Midland, TX 79705 – (432) 683-1816
- Allstate Insurance – 3323 N Midland Dr # 107 – Midland, TX 79707 – (432) 689-3670
- Farmers Insurance Group – 5100 Andrews Hwy – Midland, TX 79703 – (432) 689-9838
- Farm Bureau Insurance – 1219 S Fairgrounds Rd – Midland, TX 79701 – (432) 570-1365
For a full directory of Midland captive insurance agents, visit this site.
Picking an insurance agent requires more thought than just the bottom line cost. Any agent should be forthright in answering these questions:
- Are claims handled at the agent’s location?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Which members of your family are coverage by the policy?
Once you have received answers to your satisfaction for all questions you ask and an affordable coverage quote, chances are good that you have found a car insurance agent that meets your needs to provide car insurance coverage.
Have you considered online alternatives?
Professional insurance agents are indespensible for some people, but Texas consumers also have the option to buy directly from online companies. Even companies that are more known for using agents, also allow consumers to quote and buy online, so that should be considered if you prefer not to work with an agent.
If you’re concerned about not having an insurance agent’s advice when buying direct, that should not be a issue. Auto insurance companies that require consumers to choose their own coverages all have client service departments for getting advice on proper coverages.
Is it cheaper to buy online? It’s difficult to provide an answer due to the large number of individual components that determine your policy premium. Some people will tell you that buying directly from the company saves money because there is no commission. For most online online companies, however, there are high advertising and marketing costs and those expenses can offset most of the savings by selling direct.
Smart shoppers get results
When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, someone sacrificed liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at an affordable rate while still protecting your assets.
Lower-priced car insurance can be sourced on the web as well as from independent agents in Midland, and you should compare price quotes from both to have the best rate selection. Some companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
More information is located on the Texas Department of Insurance website located here. Visitors are able to find disaster information, file complaints about an insurance agent or broker, view agent and company licensing information, and find out which companies have the most complaints.