When trying to find an insurance agent in Marble Falls, Texas, you can do the preliminary legwork by comparing prices online to save time. It’s likely you’re not only searching for a highly trained agent, but also the best rates possible.
With Allstate, Farmers and State Farm as well as independent agents all competing for your business, consumers have a hard time knowing which will have the best service and rates. To begin, you can use online quoting to build a list of agents to choose from.
Quote online, buy local
Licensed agents can point out coverage gaps and help file insurance claims. One of the best bonuses of getting online price quotes is you can get lower rates and still have an agent to talk to. And supporting local insurance agencies is definitely important in Marble Falls.
Upon completion of this short form, the quote information is transmitted to participating agents in Marble Falls who will compete for your insurance coverage. You won’t need to leave your computer since price quotes are sent immediately to your email address. It doesn’t get any easier!
What type of Marble Falls auto insurance agent is right for you?
When searching for a good insurance agency, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agents can either be independent (non-captive) or captive. Both properly insure your vehicles, but it’s good to learn the differences because it can influence your selection of an agent.
Independent Agents
Independent agencies are not employed by any specific company but instead can place your coverage with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, the business is moved internally and that require little work on your part. When shopping rates, we recommend you get quotes from several independent insurance agents to ensure the widest selection of prices. Many write coverage with different regional companies who may have lower rates.
The following are Marble Falls independent agents who may be able to give you competitive price quotes.
- Mc Donald Agency – 1008 Avenue J – Marble Falls, TX 78654 – (830) 693-4613
- Agency Direct Insurance – 302a Us Highway 281 – Marble Falls, TX 78654 – (830) 693-6060
- Michael R Atkinson Insurance – 109 Main St – Marble Falls, TX 78654 – (830) 693-3663
- Hill Insurance – 1807 Us Highway 281 # A4 – Marble Falls, TX 78654 – (830) 693-2758
Captive Insurance Agents
This type of agents work for only one company and examples are Farmers Insurance or State Farm. They are unable to shop your coverage around so they are skilled at selling on more than just price. These agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Consumers often purchase coverage from captives mainly due to high brand loyalty and strong financial ratings.
Below are captive agents in Marble Falls who can help you get price quotes.
- Allstate Insurance – 1818 Us Highway 281 – Marble Falls, TX 78654 – (830) 693-7585
- State Farm Insurance – 1103 Hwy 1431 – Marble Falls, TX 78654 – (830) 693-5693
To view a full list of captive insurance agents in Marble Falls, view this link.
Choosing an insurance agent requires more thought than just a cheap price. Agents should be asked these questions:
- Who is covered by the car insurance policy?
- Can glass repairs be made at your home?
- Does the company allow you to choose your own collision repair facility?
- How often do they review policy coverages?
- Are you getting all the discounts the company offers?
- What is the agency’s Better Business Bureau rating?
- Do the companies they represent have a solid financial rating?
- Does the agency provide any after hours assistance?
Upon getting answers to your satisfaction for all questions you ask in addition to an acceptable price estimate, you may have just found a car insurance agent that will adequately provide auto insurance.
What about online companies that don’t have local agents?
Car insurance agents serve a purpose, but you also have the option of buying direct online. Some specific companies like Allstate and State Farm who sell through the agent channel also give you the ability to buy direct on their websites, and online price comparisons are easy if you prefer to buy online.
If you’re anxious about not having an insurance agent’s advice, this is normal but is quickly overcome. Insurance companies provide phone numbers and online resources to help you decide which coverages are appropriate. Consumers also can use live help and an extensive research center to help you make a buying decision.
Are online companies cheaper? That question is hard to answer because there are many factors that can increase policy rates. Many people think that buying direct saves money because there is no commission. But that assumption is generally incorrect because marketing expenses are significant and that can quickly cost more than paying an agent.
The best insurance company isn’t always the cheapest
Drivers switch companies for any number of reasons including delays in paying claims, questionable increases in premium, denial of a claim and even unfair underwriting practices. It doesn’t matter what your reason, finding a great new company can be easier than you think.
The cheapest auto insurance is definitely available both online and with local Marble Falls insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not offer online price quotes and these small insurance companies work with independent agents.
More sites with auto insurance information
More information can be read on the Texas Department of Insurance website through this link. Visitors are able to find out which companies have the most complaints, view a list of available companies, and read state legal mandates and laws.