To locate a licensed insurance agent in Lago Vista, it’s recommended you do an initial search on the internet to save time. Consumers require a good agent, but also need the lowest rates for auto insurance in Lago Vista.
Numerous insurance agencies battle for your hard-earned dollar, so it can be very hard to choose a car insurance agent to find the best rates possible.
Why do I need an agent?
Professional agents can help determine the best coverages and help in the event of a claim. One of the great benefits of getting online price quotes is the fact that you can find better rates but still work with a licensed agent.
By using this form (opens in new window), your insurance coverage information gets sent to agents in your area who will battle for your business. You never need to even leave your home as quotes are delivered to the email address you provide. It doesn’t get any easier! You’ll get the best rates AND a local agent.
Deciding on an insurance agent requires more thought than just the premium amount. These are valid questions to ask:
- Are claims handled at the agent’s location?
- Is the agent and/or agency licensed to do business in Texas?
- Is working in the agency their full-time job?
- Do they receive special compensation for putting your coverage with one company over another?
- If they are an independent agency, which companies do they recommend?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- What insurance company do they write the most business with?
Pick the best insurance agent in Lago Vista for you
When looking for a good insurance agency, you must know there are a couple types of agencies that you can select. Agents can either be independent (non-captive) or captive.
Agency Captives
Captive insurance agents work for only one company such as AAA, Allstate and State Farm. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. Captive agencies are well schooled on the products they sell which helps them compete with independent agents. Consumers sometimes buy insurance from these agents partially due to high brand loyalty and the convenience of having all coverages with one company.
Listed below are captive agents in Lago Vista who may provide you with price quote information.
- Allstate Insurance – 6307 Lohmans Ford Rd # 201 – Lago Vista, TX 78645 – (512) 267-9123
Independent Agencies or Brokers
Independent insurance agents are not employed by any specific company but instead can place your coverage with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part. When comparing rates, you should always include at least one independent agent to get the best comparison. Many write coverage with smaller regional carriers which may provide better rates.
The following is a list of independent agents in Lago Vista that can give you rate quotes.
- Alpha Omega Insurance Group – 1918 American Dr – Lago Vista, TX 78645 – (512) 267-0440
- Northshore Insurance Svc – 20511 Dawn Dr – Lago Vista, TX 78645 – (512) 267-9636
To view a complete directory of insurance agents in Lago Vista, visit this site.
Upon getting acceptable answers to all your questions and a good coverage price, you have narrowed it down to a car insurance agent that can provide auto insurance coverage.
Online companies can help you save
Professional insurance agents are important to many people, but Texas drivers can also buy direct online. Some car insurance companies, such as Farmers Insurance and State Farm, that are more known for using agents, also let you quote and buy online, so this should also be taken into consideration if finding the best price is important.
If you’re uncomfortable with not having someone to ask questions, this is a normal reaction for first-time shoppers. Companies provide toll-free numbers to help you decide which coverages are appropriate.
If you have the time, the only way to find out whether prices are lower online or from agents is comparing rate quotes from both. It’s not unheard of to actually get different prices from insurance agents and online quoting from the exact same provider. You won’t discover whether the best rates are online or from an agent until after comparing identical coverage quotes for both.
Is car insurance cheaper online? That question is hard to answer since there may be dozens of rate factors that can increase policy rates. Common logic is that a shopper who purchases direct saves the commission normally paid to an agent. For most companies selling online, however, online and traditional media advertising are expensive and that can cost more than having to pay agents.
One last thing
Insureds switch companies for a number of reasons such as not issuing a premium refund, unfair underwriting practices, extreme rates for teen drivers and even policy non-renewal. It doesn’t matter why you want to switch finding a great new company can be easy and end up saving you some money.
When shopping online for auto insurance, it’s very important that you do not buy poor coverage just to save money. There have been many cases where someone dropped liability coverage limits only to regret that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the best price.
More tips and info about auto insurance can be found at the Texas Department of Insurance website. Visitors are able to view a list of available companies, read enforcement actions against agents and companies, file complaints about a company, and learn about insurance regulations.