Finding good car insurance in Wharton can be challenging since picking a good Texas car insurance agent takes more work than just using the same insurance agency as your neighbor. It’s highly likely you want a friendly agent, but also the lowest possible price.
With companies like independent agents, Allstate and State Farm all competing for business in Wharton, it’s difficult to determine which one will provide you with the best service and rates. Thankfully, consumers can get insurance quotes online to build a list of insurance agents and price estimates.
Online quotes help locate Wharton agents
Good agents can point out coverage gaps and help you file claims. One of the best bonuses of price shopping on the web is the fact that you can find the best rates and still choose a local agent. And supporting local businesses is important particularly in Wharton.
For easy comparison, once you complete this simple form, your insurance data is sent to local insurance agents who will battle for your business. There is no reason to even leave your home due to the fact that quote results will go immediately to your email address. It doesn’t get any easier! You can find the lowest rates without the usual hassles of price shopping.
Multiple types of insurance agents in Wharton
When finding a local agent, there are a couple of different agency structures from which to choose. Agents are classified as either captive or independent.
Independent Agents (or Brokers)
Independent insurance agents are not locked into one company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, an independent agent can move your coverage and you won’t have to switch agencies.
When shopping rates, we recommend you include at a minimum one independent agency to get the best comparison.Most can insure with smaller regional carriers which can be an advantage.
Shown below are independent insurance agencies in Wharton that can give you comparison quotes.
- Schulz Insurance – 1316 N Alabama Rd – Wharton, TX 77488 – (979) 532-0021
- American National Insurance Co – 207 W Ahldag St – Wharton, TX 77488 – (979) 532-5530
Agency Captives
Captive agencies are contracted to one company such as Allstate, State Farm and Farmers Insurance. Captives cannot compare other company’s rates so they are skilled at selling on more than just price. Captive agents are trained well on their products and sales techniques which can be an advantage. Consumers sometimes purchase coverage from captives mainly due to loyalty to the company and solid financial strength.
Shown below is a short list of captive agents in Wharton that can give you price quote information.
- Farm Bureau Insurance – 120 N Houston St – Wharton, TX 77488 – (979) 532-2852
- Farmers Insurance Group – 1317 N Alabama Rd – Wharton, TX 77488 – (979) 282-2820
- State Farm Insurance – 1506 N Alabama Rd – Wharton, TX 77488 – (979) 532-5151
- Allstate Insurance – 1114 N Fulton St – Wharton, TX 77488 – (979) 532-1146
For a full directory of captive insurance agents in Wharton, visit this site.
Deciding on a car insurance agent requires more thought than just a low price. Here are some questions to ask:
- Does the agency provide any after hours assistance?
- Do the companies they represent have a solid financial rating?
- If they are an independent agency, which companies do they recommend?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Is the agent and/or agency licensed to do business in Texas?
- Does the agency support the community they serve?
- Do they feel the quoted coverages are adequate?
- What insurance company do they write the most business with?
Once you have positive responses and locked in a price quote, you may have just found a car insurance agent that is a good match to adequately provide car insurance.
Consider all the options when buying car insurance
Insurance agencies are important, but you can also buy Texas car insurance from online companies direct. Certain auto insurance companies like State Farm and Allstate who employ agents also give you the ability to buy online, and online price comparisons are easy to possibly find a better rate.
If you’re uneasy about not getting proper coverage when shopping online, that shouldn’t be an issue. Online car insurance companies provide customer service to help you decide which coverages are appropriate.
Is auto insurance cheaper online? It’s difficult to say for sure because there are a lot of things that impact your final bill. Many people think that shopping online for auto insurance lowers rates due to not having any agent compensation. For most companies selling online, however, promoting brand recognition is pricey so there may not be significant savings.
To find out more about Texas car insurance
Additional information is available on the Texas Department of Insurance website through this link. Texas consumers can learn about specific coverages, find a variety of consumer forms, learn about insurance regulations, and find out industry alerts.
Compare but don’t skimp
Cost effective car insurance is definitely available online and also from your neighborhood Wharton agents, and you need to price shop both in order to have the best chance of saving money. Some companies may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.
Consumers switch companies for a variety of reasons including denial of a claim, delays in responding to claim requests, policy cancellation or lack of trust in their agent. Whatever your reason, switching companies is pretty easy and you might even save some money in the process.