If you’re trying to find a good Muleshoe agent, we recommend you do an initial search for an agent online instead of making phone calls. It’s highly likely you want an excellent agent, but you also need great rates as well.
With companies like Allstate, Farmers and State Farm as well as independent agents having offices in Muleshoe, it’s hard to tell which will provide you with the best rates, service and coverage. To begin, you can use insurance quotes online to get a list of agencies to choose from.
Quote online but still have a local agent
Professional agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of comparing insurance prices online is you may find the lowest rates and still have an agent to talk to. And providing support for local businesses is especially important in Muleshoe.
Once you complete this short form, your coverage information is immediately sent to local insurance agents who will battle for your insurance coverage. You won’t need to leave your house since price quotes are sent straight to your inbox. How’s that for easy!
What types of insurance agencies are in Muleshoe?
If you’re trying to find a good Muleshoe insurance agent, there are a couple of different agency structures to choose from. Muleshoe agents are categorized either independent (non-captive) or captive. Either one can properly insure your vehicles, but it’s important to know how they are different since it may influence buying decisions.
Independent Agents
Independent agents are not employed by any specific company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency. When comparison shopping, you should always get quotes from at least one independent agent to ensure the widest selection of prices.
Below are independent agencies in Muleshoe willing to provide competitive price quotes.
Thompson Insurance – 1631 W American Blvd – Muleshoe, TX 79347 – (806) 272-3652
Mark W Morton Insurance – 101 S Main St – Muleshoe, TX 79347 – (806) 272-7519
Agency Captives
Captive agencies work for only one company and some examples include Liberty Mutual, State Farm, Allstate and AAA. They usually cannot give you multiple price quotes so they have to upsell other benefits. Captives are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
Choosing an insurance agent shouldn’t rely on just the bottom line cost. Any agent should be forthright in answering these questions:
- Do they have any clout with companies to ensure a fair claim settlement?
- Which company do they place the most coverage with?
- How much can you save by raising your physical damage deductibles?
- Can glass repairs be made at your home?
- Are they properly licensed to sell insurance in Texas?
After receiving satisfactory answers to all your questions in addition to an acceptable price estimate, you may have just found an insurance agency that will service your policy.
Have you considered online alternatives?
Professional insurance agents are indespensible for some people, but you can also find affordable Texas auto insurance direct from companies online. Some specific companies like State Farm and Allstate that sell primarily through agents also give you the ability to get quotes and purchase online, and that is helpful.
If you’re worried about not having someone to ask questions when shopping online, don’t sweat it. Online car insurance companies give you access to trained agents that you can contact for information. They also offer the ability to chat online live with a sales rep and online research that you can use before buying.
Does it save money buying online? That question is hard to answer because there are many factors that influence how your policy is priced. Some people will tell you that a shopper who purchases direct cuts out the middleman. But that assumption is generally incorrect because there are high advertising and marketing costs and those expenses can offset most of the savings by selling direct.
Texas insurance information
More information is located on the website for the Texas Department of Insurance. Click here for link. Texas drivers can file complaints about a company, discover disciplinary actions, and learn about insurance regulations.
Final thoughts
Cheaper car insurance is definitely available both online in addition to many Muleshoe insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not provide you the ability to get quotes online and these smaller companies work with independent agents.
When shopping online for car insurance, you should never reduce coverage to reduce premium. Too many times, consumers will sacrifice physical damage coverage and learned later that it was a big error on their part. Your goal should be to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.