Are you confused by the dozens of car insurance company choices in Pampa? Many other consumers are too. Drivers have so many options available that it can easily become a big hassle to find better rates.
Choosing the best insurance company for you in Pampa is easy if you know what you’re doing. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these tips. Nevertheless, Texas drivers need to have an understanding of how companies market insurance on the web and apply this information to your search.
How to Compare Car Insurance Costs in Pampa, Texas
All major car insurance companies like Progressive, GEICO, Allstate and State Farm provide coverage price quotes online. Getting online quotes doesn’t take much effort as you just type in your coverage preferences into a form. Behind the scenes, the system sends out for your credit score and driving record and provides a quote based on these and other factors.
This helps simplify price comparisons, but the time required to go to several different sites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to do this in order to find the best price on car insurance.
The preferred way to compare car insurance pricing is to use a quote form to get prices from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes rate comparisons much easier to do. Immediately after you send the form, it is rated and you can choose any or none of the quotes returned. If a lower price is quoted, it’s easy to complete the application and purchase coverage. The entire process just takes a couple of minutes and you’ll know if lower rates are available.
To save time and get comparison pricing now, click here and begin entering your coverage information. If you have coverage now, it’s recommended you enter the insurance coverages identical to your current policy. This guarantees you will have a price comparison for similar coverage.
Pay less by taking advantage of discounts
Companies offering auto insurance don’t always advertise all their discounts in an easy-to-find place, so we break down both well-publicized and the harder-to-find ways to save on car insurance.
- Federal Government Employee – Simply working for the federal government could cut as much as 10% off with certain companies.
- Multi-policy Discount – When you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
- Discount for Life Insurance – Some companies give a break if you buy auto and life insurance together.
- Seat Belt Usage – Requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
- Military Rewards – Having a deployed family member could mean lower rates.
- Good Student – Performing well in school can be rewarded with saving of up to 25%. The discount lasts until age 25.
Consumers should know that some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.
To see a list of insurers who offer car insurance discounts in Texas, click here.
Compare online but buy from a local Pampa agent
Some people would prefer to talk to a local agent and that is a personal choice. The best thing about getting online price quotes is you may find better rates and still have an agent to talk to.
For easy comparison, once you complete this form (opens in new window), your insurance data is instantly submitted to agents in your area who will return price quotes to get your business. You don’t have to drive around as quotes are delivered immediately to your email address. How cool is that?! Get lower rates without the usual hassles of price shopping.
Choosing an insurer requires more thought than just a cheap price. These are valid questions to ask:
- Do they feel the quoted coverages are adequate?
- Is the agency involved in supporting local community causes?
- Do they receive special compensation for putting your coverage with one company over another?
- Is working in the agency their full-time job?
- How long has their agency been open in Pampa?
- Which members of your family are coverage by the policy?
Insurance agent types
If you’re trying to find a good insurance agency, there are a couple of different agency structures to choose from. Agents are classified as either independent (non-captive) or captive.
Captive Insurance Agents
Captive agents have only one company to place business with like Liberty Mutual, State Farm, Allstate and AAA. They usually cannot place coverage with different providers so they have to upsell other benefits. Captive agencies are well schooled on their company’s products which can be an advantage. Consumers sometimes choose to use a captive agent mainly due to the prominence of the brand and the convenience of having all coverages with one company.
Listed below is a short list of captive agents in Pampa who can help you get comparison quotes.
- Farm Bureau Insurance – 500 W Kingsmill Ave – Pampa, TX 79065 – (806) 665-8451
- Farmers Insurance Group – 321 N Somerville St – Pampa, TX 79065 – (806) 665-4041
- Allstate Insurance – 222 N Cuyler St – Pampa, TX 79065 – (806) 665-5356
Independent Insurance Agents
These agents are not locked into one company but instead can place your coverage amongst many companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house and you don’t have to find a new agent. When comparing rates, it’s recommended you include at least one independent agent to get the best comparison. Many write coverage with different regional companies which may provide better rates.
The following is a list of independent insurance agents in Pampa who can help you get price quote information.
- Legacy Insurance – 2133 N Hobart St – Pampa, TX 79065 – (806) 665-4800
- Allison Agency – 623 W Foster Ave – Pampa, TX 79065 – (806) 665-6815
- Miller Insurance – 120 E Browning Ave – Pampa, TX 79065 – (806) 669-3062
For a full directory of Pampa insurance agents, visit this site.
Once you have acceptable answers and a low price estimate, you may have just found a car insurance agent that will service your policy.
Car insurance is unique, just like you
When buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.
Here are some questions about coverages that may help you determine whether or not you might need an agent’s assistance.
- Do I need medical payments coverage since I have good health insurance?
- Why am I required to buy high-risk coverage?
- When should I not file a claim?
- What companies insure drivers after a DUI or DWI?
- Can I drive in Mexico and have coverage?
- Am I covered if I wreck a rental car?
- Is my custom paint covered by insurance?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.
Informed Drivers can Cut Their Rates
Consumers need to have an understanding of the different types of things that come into play when calculating your car insurance rates. Knowing what determines base rates empowers consumers to make smart changes that could result in big savings.
The list below includes some of the factors used by your company to calculate premiums.
- Extra coverages can waste money – There are a lot of add-on coverages that you can buy if you aren’t careful. Coverages for roadside assistance, towing coverage and motor club memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but if you don’t need them eliminate them to save money.
- Protect your assets with liability insurance – Liability insurance will protect you if ever a court rules you are at fault for damages from an accident. It will provide for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
- More claims means more premium – If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Companies in Texas generally give better rates to insureds who do not file claims often. Auto insurance is meant to be used in the event of larger claims.
- Teen drivers pay high rates – Mature drivers are viewed as being more responsible, statistically cause fewer accidents and are safer drivers. Young drivers are known to be less responsible in a vehicle therefore car insurance rates are much higher.
Are car insurance companies telling the truth?
Companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on television and other media. All the ads make an identical promise of big savings if you switch your coverage to them. How does each company say the same thing? It’s all in the numbers.
Different companies have a certain “appetite” for the type of driver they prefer to insure. For instance, a profitable customer might be between 25 and 40, is a homeowner, and drives newer vehicles. Any new insured that hits that “sweet spot” receives the best rates and most likely will save a lot of money.
Drivers who do not match these standards must pay higher prices and ends up with business going elsewhere. The ad wording is “customers that switch” not “everyone that quotes” save that much money. That’s the way insurance companies can confidently make those claims. This illustrates why it is so important to get a wide range of price quotes. It is impossible to predict which car insurance company will give you the biggest savings.
Keep this in mind
You just learned a lot of techniques to reduce car insurance prices online. The most important thing to understand is the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the best price on car insurance is with an unexpected company.
Cheap car insurance can be found both online and also from your neighborhood Pampa agents, and you should be comparing both to have the best selection. Some car insurance companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.
Drivers switch companies for many reasons like delays in paying claims, extreme rates for teen drivers, being labeled a high risk driver and not issuing a premium refund. Whatever your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.
Learn more about car insurance in Texas
More detailed Texas car insurance information can be read at the Texas Department of Insurance website. Consumers can find disaster information, get help finding coverage, and view agent and company licensing information.