To locate a licensed insurance agent in Pilot Point, you can always do an initial search using online quotes instead of calling around. It’s assumed you not only want a good professional insurance agent, but you also need the lowest possible price.
With companies like American Family, Allstate, State Farm and Farmers all competing for your business, consumers have a hard time knowing which one will provide the best service and rates. Thankfully, consumers can use online price quotes in order to build a list of agents and price estimates.
Quote online but still have a local agent
Educated insurance agents can point out coverage gaps and help file insurance claims. The best thing about comparing rates online is you may find the best rates and still have an agent to talk to. Buying from small agencies is especially important in Pilot Point.
For easy comparison, once you complete this form (opens in new window), your information is instantly submitted to local insurance agents in Pilot Point who will compete for your business. You never need to drive around due to the fact that quote results will go to your email. How cool is that?!
Do you need an independent or captive auto insurance agent?
When researching a good insurance agency, there are two different types of agents that you can select. Agents are categorized either captive or independent (non-captive). While both can properly insure your vehicles, but it’s worth learning how they are different since it may influence the type of agent you choose
Independent Insurance Agents
These agents are not employed by any specific company but rather can write business with lots of companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.
When searching for an agent, you should always include at a minimum one independent agency to ensure the widest selection of prices.
The following is a short list of independent insurance agents in Pilot Point who can help you get rate quotes.
Star H Equine Insurance – 22155 Carl Gross Rd – Pilot Point, TX 76258 – (940) 686-0869
Insurance Shop – 8427 Elane Way – Pilot Point, TX 76258 – (940) 365-9675
Agency Captives
Captive agencies write business for a single company such as Allstate, Farmers Insurance or State Farm. They are unable to give you multiple price quotes so keep that in mind. These agents are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
Choosing a car insurance agent needs to be determined by more than just the bottom line cost. Some important questions to ask are:
- Did they already check your driving record and credit reports?
- What are the financial ratings for the companies they represent?
- If your car is in the repair shop, do you have coverage for a rental car?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do the coverages you’re quoting properly cover your vehicle?
- Does the agency support the community they serve?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Is vehicle damage repaired with OEM or aftermarket parts?
Once you have reasonable responses for all questions you ask and an acceptable price quote, you may have just found an insurance agent that is a good match to provide auto insurance coverage.
Is buying direct online an option?
Local insurance agents serve a purpose, but you can also buy Texas car insurance direct from companies online. Even companies, such as State Farm, Allstate and Farmers, that sell primarily through agents also allow you to buy direct on their websites. This is something to consider and can also potentially find you lower rates.
If you’re anxious about not having an insurance agent’s advice when buying online, don’t be too concerned. Auto insurance companies provide phone numbers and online resources for getting advice on proper coverages. They also have the ability to chat online live with a sales rep and online research so buying online is not difficult.
Can you find lower rates online? The answer to that question is complicated because of the number of factors that influence the price you pay. Many people think that purchasing direct online saves by not paying a commission. But the fact is, there are high advertising and marketing costs so there may not be significant savings.
Additional auto insurance information can be read on the website for the Texas Department of Insurance through this link. Consumers can read state legal mandates and laws, file complaints about an insurance agent or broker, view agent and company licensing information, and download brochures.
Final thoughts
People leave their current company for a variety of reasons including delays in paying claims, an unsatisfactory settlement offer, denial of a claim or not issuing a premium refund. Regardless of your reason, finding the right auto insurance provider is not as difficult as it may seem.
Discount auto insurance can be sourced on the web and with local Pilot Point insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some auto insurance companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.