Consumer Information for Researching an Amarillo Texas Car Insurance Agent

When searching for a licensed insurance agent in Amarillo, you can always do the preliminary legwork online instead of making phone calls. There is a good chance you’re wanting a good professional insurance agent, but you also need affordable coverage.

With State Farm, Allstate and many independent agents having local Amarillo offices, it’s hard to tell which car insurance agent will give you the lowest rates and best service. To help decide, consumers can use online quotes to build a list of insurance agencies from which to choose.

Online quotes help locate Amarillo agents

Educated insurance agents can help determine the best coverages and help submit paperwork. The best thing about comparing rates online is the fact that you can find lower rates but still work with a licensed agent. And supporting local insurance agencies is definitely important in Amarillo.

After completing this quick form, your information is submitted to local insurance agents in Amarillo who will return price quotes for your business. You don’t have to visit any agencies since price quotes are sent to your email. How’s that for easy! It’s the lowest rates AND an agent nearby.

Pick the best car insurance agent in Amarillo for you

When finding local Amarillo agents, you need to know there are two different types of agents from which to choose. Insurance agencies in Amarillo are categorized either independent or captive.

Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency. When comparison shopping, it’s recommended you include several independent insurance agents to have the most options to choose from.

The following is a short list of independent agencies in Amarillo that are able to give competitive price quotes.

Isra Insurance Agency – 701 SW 10 Ave – Amarillo, TX 79101 – (806) 374-7402
Sarzynski Insurance – 2738 S Georgia St – Amarillo, TX 79109 – (806) 354-9777
Robert L Bell Rhu Insurance – 3637 Tripp Ave – Amarillo, TX 79121 – (806) 355-6200
Chuck Ferrell Agency – 2513 Orange St – Amarillo, TX 79107 – (806) 383-0261
Cash Agency – 3300 S Georgia St – Amarillo, TX 79109 – (806) 355-9526

Agency Captives

This type of agents are contracted to one company and examples are Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to provide prices from multiple companies so it’s a take it or leave it situation. Captive agents are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.

Shown below is a short list of captive insurance agents in Amarillo that are able to give price quote information.

Allstate Insurance Co – 6461 S Western St – Amarillo, TX 79110 – (806) 359-6300
Farm Bureau Insurance – 4021 W 50th Ave – Amarillo, TX 79109 – (806) 358-0077
Farmers Insurance Group – 7105 W 34th Ave # A – Amarillo, TX 79109 – (806) 356-7006
State Farm Insurance – 6900 W Interstate 40 # 230 – Amarillo, TX 79106 – (806) 352-1871

For a complete listing of car insurance agents in Amarillo, visit this link.

Picking an insurance agency requires more thought than just the premium amount. Some important questions to ask are:

  • Are they full-time agents?
  • Do the companies they represent have a solid financial rating?
  • Does the agency have a good rating with the Better Business Bureau?
  • How much can you save by raising your physical damage deductibles?
  • Do they carry Errors and Omissions coverage?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Are claim adjusters local or do you have to take your car somewhere else?

After receiving answers to your satisfaction for all questions you ask in addition to an acceptable price estimate, it’s possible that you found an insurance agent that is a good match to insure your vehicles.

Can you find lower rates by buying online?

Licensed agents can be invaluable at times, but Texas car insurance can also be bought direct online. Even companies who sell through agents in Amarillo also give you the option to buy direct on their websites, and that can save time to possibly find a better rate.

If you’re uneasy about having to choose coverages yourself when buying online, this really isn’t an issue. Car insurance companies provide options to walk you through the process. They also make available extensive coverage information and 24/7 assistance that you can use if you have questions.

Will you save money buying auto insurance online? It’s hard to say exactly due to the large number of individual components that influence your rates. Common logic is that a consumer who buys direct saves by not paying a commission. In reality, marketing their products costs a lot of money so rates may not be all that different from traditional agents.

Cheaper insurance is a realistic goal

Low-cost car insurance is possible from both online companies as well as from independent agents in Amarillo, and you need to comparison shop both to have the best selection. Some insurance companies don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many situations where an insured cut collision coverage only to find out that it was a big mistake. The aim is to buy a smart amount of coverage at a price you can afford.

Much more information about car insurance in Texas can be found on the website for the Texas Department of Insurance. Click here for link. Consumers can view agent and company licensing information, file complaints about a company, and discover disciplinary actions.