Comparing car insurance companies in Mineral Wells, TX can be challenging because you have many choices and picking a good Texas insurance agency is harder than just making a phone call. Consumers require a good agent, but also the cheapest rates you can possibly find.
Having so many options, it can be impossible to pick the lowest price insurance company.
Working with a local agent
Insurance agents can point out coverage gaps and help in the event of a claim. The biggest benefit of comparing insurance prices online is the fact that you can find the best rates but still work with a licensed agent.
By using this simple form, your insurance data gets sent to local insurance agents in Mineral Wells who will give you bids to get your business. You never need to drive around since price quotes are sent directly to your email. How cool is that?! Get lower rates AND an agent nearby.
Picking a car insurance agent should depend on more than just the price. These questions are important to ask:
- Can they provide you with a list of referrals?
- How are claims handled?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- If you have an accident, will your rates go up?
The difference between Mineral Wells insurance agents
When researching a reliable agent, you must know there are a couple types of agencies from which to choose. Agents can either be independent or captive.
Captive Insurance Agents
These agents work for only one company and examples are AAA, State Farm, Farmers Insurance and Allstate. They are unable to give you multiple price quotes so it’s a take it or leave it situation. Captive agencies are trained well on the products they sell which helps them compete with independent agents.
Below are captive agencies in Mineral Wells that can give you comparison quotes.
State Farm Insurance – 101 Garrett Morris Pkwy – Mineral Wells, TX 76067 – (940) 325-1352
Farm Bureau Insurance – 301 SE 3rd St – Mineral Wells, TX 76067 – (940) 325-9412
Independent Agents (or Brokers)
Independent agencies are not employed by any specific company but rather can write business with any number of different companies depending on which coverage is best. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to find a new agent.
When comparing rates, it’s recommended you include several independent insurance agents for the best price selection.
Shown below is a short list of independent insurance agents in Mineral Wells who can help you get comparison quotes.
Farm Bureau Insurance – 301 SE 3rd St – Mineral Wells, TX 76067 – (940) 325-9412
Bill J Terry Insurance – 915 E Hubbard St # C – Mineral Wells, TX 76067 – (940) 325-0200
Grantham-Adkins Agency – 109 SW 1st St – Mineral Wells, TX 76067 – (940) 325-3315
To view a full list of Mineral Wells insurance agents, go to this page.
After receiving reasonable responses to all your questions in addition to an acceptable price estimate, you’ve probably found an auto insurance agent that will insure your vehicles.
Are online companies an option?
Local insurance agents can be invaluable at times, but Texas consumers also have the option to buy direct from companies that only sell online. Certain companies like Allstate and State Farm who employ agents also give you the ability to buy online, and that can save time if you are the do-it-yourself type.
If you’re worried about not having an insurance agent’s advice when buying online, don’t let it bother you. All companies that require consumers to choose their own coverages provide phone numbers and online resources for getting advice on proper coverages.
Are online companies cheaper? It’s difficult to say for sure due to the fact that there are multiple individual factors which can raise or lower premium rates. It’s a logical assumption that shopping online for auto insurance saves the cost of an agent commission. But in most cases, marketing their products costs a lot of money and this tends to eat up any savings.
Online plus local equals savings
Discount car insurance is definitely available online in addition to many Mineral Wells insurance agents, so you should compare both so you have a total pricing picture. A few companies do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
Insureds who switch companies do it for a number of reasons such as lack of trust in their agent, being labeled a high risk driver, not issuing a premium refund and even delays in paying claims. It doesn’t matter what your reason, finding a new company can be easier than you think.
Even more information can be read at the Texas Department of Insurance website. Texas consumers can read industry bulletins, discover disciplinary actions, and read state legal mandates and laws.
Also read more on BankRate.com’s Car Insurance: When not to Skimp and this link where you can make Mineral Wells car insurance comparisons.