If you’re trying to find an insurance agent in Nacogdoches, Texas, we recommend you begin your search online rather than looking in the yellowpages. Chances are you not only want a highly trained agent, but you also want to find affordable coverage.
With companies like State Farm, Allstate, Farmers and independent agents all competing for business in Nacogdoches, consumers have a hard time knowing which insurance agency will have the lowest rates and best service. To help decide, you can use online quoting to build a list of insurance agents from which to choose.
Local Nacogdoches agents and car insurance
Insurance agents can point out coverage gaps and help file insurance claims. The best thing about comparing insurance prices online is you may find the lowest rates and still have an agent to talk to. Supporting local insurance agencies is important especially in Nacogdoches.
By using this quick form, your coverage information is sent to participating agents in Nacogdoches who will return price quotes for your coverage. You don’t have to drive around because quoted prices will be sent directly to your email. How’s that for easy! You can find better rates and work with a local agent.
Choose the right car insurance agent
When finding a local agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Agencies in Nacogdoches are classified as either captive or independent (non-captive).
Independent Agencies or Brokers
Independent agencies are not required to write business for one company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the business is moved internally and that require little work on your part. When searching for an agent, it’s recommended you contact at least one independent agent for maximum quote selection. Most have the option of insuring with lesser-known insurance companies which may provide better rates.
Listed below are independent insurance agencies in Nacogdoches who can help you get rate quotes.
- Direct General Ins Agency – 1214 North St – Nacogdoches, TX 75961 – (936) 560-5797
- Joe Max Insurance Concepts – 3310 N University Dr – Nacogdoches, TX 75965 – (936) 559-5669
- Quickinsurance – 831 N University Dr – Nacogdoches, TX 75961 – (936) 564-3333
Captive Agents
These agents are contracted to one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. These agents are not able to place coverage with different providers so they have to upsell other benefits. Captive agencies are trained well in insurance sales which helps them compete with independent agents. Consumers frequently buy insurance from these agents partially due to the prominence of the brand and the convenience of having all coverages with one company.
Shown below are Nacogdoches captive agencies who can help you get comparison quotes.
- State Farm Insurance – 104 W College St – Nacogdoches, TX 75965 – (936) 564-7000
- Allstate Insurance – 3500 North St # 8 – Nacogdoches, TX 75965 – (936) 560-2462
For a full directory of captive insurance agencies in Nacogdoches, please view this page.
Selecting an insurance agency requires more thought than just the price. These questions are important to ask:
- Is assistance available after office hours?
- How much can you save by raising your physical damage deductibles?
- Is the agency involved in supporting local community causes?
- How are they compensated?
- If you are a high risk driver, do they have special markets for your coverage?
- What insurance companies do they recommend if they are an independent agent?
After getting good answers for all questions you ask and locked in a price quote, you’ve probably found an auto insurance agent that meets your needs to properly service your car insurance policy.
What if I want to shop online?
Licensed agents are perfect for certain consumers, but Texas consumers also have the option to buy direct online. Some car insurance companies that are more known for using agents, also give you the ability to quote and buy online, and online price comparisons are easy.
If you’re anxious about not having an agent to talk to, this is a normal reaction for first-time shoppers. Companies all have client service departments for answering any questions you have.
The best approach to find out who has the best rates, online companies or local insurance agents, is to get price quotes for both. It’s not unheard of to actually get different prices when getting a price from both an agent and online from the exact same provider. But it’s difficult to know where you can get the lowest rates unless free rate quotes are compared each way.
Does it save money buying online? It’s difficult to say for sure because of the number of factors that determine your policy premium. You may think that purchasing direct online saves money because there is no agent involvement. But that assumption is generally incorrect because advertising and marketing take a lot of money so rates may not be all that different from traditional agents.
For more Texas car insurance information
Additional car insurance information is located on the Texas Department of Insurance website found here. Texas consumers can read state legal mandates and laws, file complaints about a company, download brochures, and file complaints about an insurance agent or broker.
Smart consumers save more
Drivers change insurance companies for a variety of reasons including questionable increases in premium, delays in paying claims, high rates after DUI convictions or extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.
As you restructure your insurance plan, do not skimp on coverage in order to save money. There are many occasions where consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at a price you can afford, not the least amount of coverage.