When finding a good insurance agent in Canyon, TX, you can do the preliminary legwork by getting online comparison quotes rather than picking up the phone. Consumers require a competent insurance agent, and also want to find the lowest rates in Canyon.
Big-name insurance companies like GEICO, Farmers Insurance and State Farm increase brand awareness with advertising and it is difficult to avoid their marketing magic and take the time to shop coverage around.
Comparing rates from local agents
Agents can help determine the best coverages and help file insurance claims. One of the best bonuses of comparing insurance prices online is that you can obtain the best rates but also keep your business local.
To help locate an agent, after submitting this simple form, your coverage information is instantly submitted to companies in Canyon who will battle for your business. You won’t need to even leave your home because quoted prices will be sent immediately to your email address. How cool is that?! You can find the lowest rates and work with a local agent.
Choosing an auto insurance agent requires more thought than just the premium amount. These are valid questions to ask:
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Which members of your family are coverage by the policy?
- Can they give you a list of client referrals?
- If they are an independent agency, which companies do they recommend?
- How many years of experience in personal lines insurance coverages do they have?
- How long has their agency been open in Canyon?
- How much will you save each year by using a higher deductible?
The type of car insurance agent you choose is important
When finding local Canyon agents, there are a couple of different agency structures from which to choose. Agencies in Canyon are either independent (non-captive) or captive.
Captive Agents
This type of agents have only one company to place business with like Allstate, Farmers Insurance, State Farm and AAA. Captives cannot provide prices from multiple companies so it’s a take it or leave it situation. These agents receive extensive training in insurance sales which helps them sell insurance even at higher premiums.
The following are captive agencies in Canyon that are able to give rate quotes.
State Farm Insurance – 1301 4th Ave – Canyon, TX 79015 – (806) 655-7707
Independent Agents (or Brokers)
Independent agents are not employed by any specific company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. 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 comparison shopping, it’s a good idea to include multiple independent agents for maximum quote selection.
Shown below are independent agencies in Canyon that are able to give comparison quotes.
Ward Insurance – 1420 4th Ave – Canyon, TX 79015 – (806) 655-5505
Holt Insurance – 2306 6th Ave – Canyon, TX 79015 – (806) 655-0251
For a full directory of auto insurance agents in Canyon, please view this page.
After receiving positive responses to your questions and locked in a price quote, most likely you have located an auto insurance agent that can adequately provide auto insurance.
But what about GEICO and Esurance?
Professional insurance agents are important, but you can also find affordable Texas auto insurance from online companies direct. Certain auto insurance companies, such as Farmers Insurance and State Farm, that sell primarily through agents also give you the ability to quote and buy online, and online price comparisons are easy as an alternative to contacting agents.
If you’re apprehensive about not having someone to ask questions when buying direct, this really isn’t an issue. Companies provide access to licensed agents you can use to get advice on coverages.
Is it cheaper to buy online? Many people swear by it, but it’s difficult to answer due to the fact that there are multiple individual factors that determine your policy premium. Common sense would say that buying online lowers rates due to not having any agent compensation. But the reality is online and traditional media advertising are expensive and this drives up their premium costs.
Cheaper insurance is a realistic goal
People who switch companies do it for any number of reasons including being labeled a high risk driver, unfair underwriting practices, questionable increases in premium and even poor customer service. Regardless of your reason for switching companies, choosing a new insurance company is actually quite simple.
The cheapest auto insurance can be found on the web and also from your neighborhood Canyon agents, and you should be comparing both to have the best selection. Some companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
More Texas auto insurance resources
More detailed Texas auto insurance information is available at the Texas Department of Insurance website. Texas drivers can file complaints about an insurance agent or broker, learn about specific coverages, and read consumer alerts.
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