When shopping for auto insurance, there are a lot of options and picking a good Texas car insurance agent takes more work than just using the same insurance agency as your neighbor. Consumers require a highly trained agent, and also cheaper auto insurance prices.
Many insurance agents vie for your hard-earned dollar, so it’s not easy to compare every auto insurance agent to find the lowest rate
Local Cleburne auto insurance agents
Insurance agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of comparing rates online is that you can obtain the lowest rates but also keep your business local.
After filling out this quick form, your coverage information is instantly submitted to local insurance agents who will return price quotes for your coverage. There is no need to leave your house as quotes are delivered directly to your email. Now that’s easy!
Choosing a car insurance agent requires more thought than just the price. These are valid questions to ask:
- Is vehicle mileage a factor when determining depreciation for repairs?
- Did they already check your driving record and credit reports?
- Are they able to influence company decisions when a claim is filed?
- Is their price quote a firm figure or are their hidden costs?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
Choose the right insurance agency
When researching a good insurance agency, you must know there are a couple different agency structures to choose from. Agents are either independent (non-captive) or captive. Both types can do a good job, but it’s worth learning the differences because it can impact the selection process.
Captive Insurance Agents
Captive insurance agents can only write with one company and some examples include Allstate, AAA, Liberty Mutual and State Farm. These agents are not able to place coverage with different providers so always compare other rates. Captive agents receive extensive training on their products and sales techniques which helps them compete with independent agents.
The following is a short list of captive agents in Cleburne that are able to give comparison quotes.
Allstate Insurance – 400 N Ridgeway Dr – Cleburne, TX 76033 – (817) 641-3306
Farm Bureau Insurance – 2307 Weatherford Hwy – Cleburne, TX 76033 – (817) 558-2848
Independent Agents (or Brokers)
Independent insurance agents are not required to write business for one company but rather can write business with multiple insurance companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent.
When searching for an agent, we recommend you contact several independent insurance agents for maximum quote selection.
Below are independent agents in Cleburne that can give you price quote information.
Crystal Plaster Insurance – 1632 W Henderson St # C – Cleburne, TX 76033 – (817) 645-3974
Jim Moreno Agency – 1644 W Henderson St – Cleburne, TX 76033 – (817) 641-2569
Moser Insurance – 709 W Henderson St # A – Cleburne, TX 76033 – (817) 558-8519
To view a full list of auto insurance agents in Cleburne, view this link.
Once you have answers to your satisfaction and a good coverage price, chances are good that you have found a car insurance agent that will insure your vehicles.
Have you considered online alternatives?
Professional insurance agents serve a purpose, but Texas car insurance can also be bought from companies direct over the internet. Even companies who have local Cleburne agents also allow consumers to buy direct online, so that should be considered if you prefer not to work with an agent.
If you’re concerned about whether or not you’ll have guidance when buying direct, this really isn’t an issue. Auto insurance companies have customer service departments for customer questions. Additionally, most companies also offer extensive coverage information and 24/7 assistance to make it easier to purchase.
Will auto insurance cost less online? That is a tough question to answer because there are so many things that influence your rates. Many people think that buying directly from the company prevents the agent from taking a cut. In reality, there are high advertising and marketing costs and this drives up their premium costs.
In conclusion
Lower-priced auto insurance is definitely available both online in addition to many Cleburne insurance agents, and you should be comparing both so you have a total pricing picture. Some auto insurance companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
People change insurance companies for many reasons like lack of trust in their agent, questionable increases in premium, extreme rates for teen drivers or policy cancellation. It doesn’t matter why you want to switch finding a great new company can be less work than you think.
More detailed Texas auto insurance information is available at the Texas Department of Insurance website. Consumers can find disaster information, learn about specific coverages, and view agent and company licensing information.