Consumers Guide to Searching Online for a Fort Worth Insurance Agent

When shopping for auto insurance, you have many choices and finding the best Texas auto insurance agent takes more work than just driving to the closest agent’s office. Chances are you not only want a good professional insurance agent, but also the best rates possible.

With insurance companies like State Farm, Allstate and many independent agents all competing for business in Fort Worth, it’s hard to tell which will give you the best service and rates. To begin, it’s easy to use online quotes to assemble a group of insurance agents to choose from.

Online quotes help locate Fort Worth agents

Educated insurance 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 the lowest rates but also keep your business local. And supporting local insurance agencies is especially important in Fort Worth.

Upon completion of this quick form, your information gets sent to local insurance agents who will return price quotes for your insurance coverage. You don’t have to visit any agencies since price quotes are sent to the email address you provide. How cool is that?! You can find the lowest rates AND a local agent.

Two different types of car insurance agents

When looking for a good Fort Worth insurance agent, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Agents are either independent or captive.

Independent Insurance Agents

These agents are not employed by any specific company so they can insure your vehicles with many different companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, we recommend you include at least one independent agent to have the most options to choose from.

Shown below is a short list of independent agents in Fort Worth willing to provide comparison quotes.

Pruitt’s Insurance – 6904 Sandybrook Dr – Fort Worth, TX 76120 – (817) 496-9424
Meinen Agency – 4055 International Plz # 420 – Fort Worth, TX 76109 – (817) 731-2847
Lay Williams Agency – 3112 Forest Ave – Fort Worth, TX 76112 – (817) 451-8783
Kim Rayburn Agency – 6650 N Beach St # 100 – Fort Worth, TX 76137 – (817) 428-4040
Linc J Conn Insurance – 6421 Camp Bowie Blvd # 304 – Fort Worth, TX 76116 – (817) 738-9911

Captive Insurance Agents

Captive agents write business for a single company like Allstate, State Farm and Farmers Insurance. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. They are very knowledgeable on the products they sell and that can be a competitive advantage.

Listed below are Fort Worth captive insurance agents that are able to give price quotes.

Farmers Insurance Group – 2408 Montgomery St – Fort Worth, TX 76107 – (817) 763-0838
Allstate Insurance – 1160 Country Club Ln – Fort Worth, TX 76112 – (817) 457-1044
State Farm Insurance – 401 Jim Wright Fwy S # 109 – Fort Worth, TX 76108 – (817) 367-6106
Liberty Mutual Insurance – 210 W 6th St # 925 – Fort Worth, TX 76102 – (817) 332-9626

For a full directory of auto insurance agents in Fort Worth, click here to link.

Deciding on an insurance agent needs to be determined by more than just the price. Some important questions to ask are:

  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Will your rates increase after a single accident?
  • How much will you save each year by using a higher deductible?
  • Are they able to influence company decisions when a claim is filed?
  • How are they compensated?
  • Can they provide you with a list of referrals?

After receiving positive responses for all questions you ask in addition to an acceptable price estimate, most likely you have located an insurance agent that can insure your vehicles.

How do I know if I need professional advice?

When buying proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different so this has to be addressed. For example, these questions might point out if you might need professional guidance.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Does my insurance cover my expensive audio equipment?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Why does it cost so much to insure a teen driver in Fort Worth?
  • Does my insurance cover a custom paint job?
  • Do all my vehicles need collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If it’s difficult to answer those questions, you might consider talking to an insurance agent.

Consider every option when buying coverage

Licensed agents are perfect for certain consumers, but Texas car insurance can also be bought direct over the internet. Certain companies that are more known for using agents, also permit you to get a quote and buy online, and that can save time to possibly find a better rate.

If you’re uncomfortable with not having professional advice when buying direct, don’t let it bother you. All companies provide access to licensed agents to answer any questions you may have. Most companies also provide anytime access to help and a customer research section so buying online is not difficult.

Are online premiums lower? It’s difficult to provide an answer because of the fact that insurance companies use many factors that determine the price you pay. You may think that a customer who purchases direcly from an online company cuts out the middleman. But the reality is marketing their products costs a lot of money and this tends to eat up any savings.

Cheaper insurance is a realistic goal

Budget-conscious auto insurance can be bought online in addition to many Fort Worth insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not provide online quoting and most of the time these small, regional companies sell through independent agents.

Find an agent in Fort Worth TX

Consumers change insurance companies for a number of reasons such as high prices, extreme rates for teen drivers, delays in paying claims and unfair underwriting practices. Regardless of your reason for switching companies, finding the right auto insurance provider is less work than it seems.

Additional auto insurance links

Additional information can be found on the website for the Texas Department of Insurance through this link. Visitors are able to view agent and company licensing information, find a variety of consumer forms, learn about specific coverages, and read enforcement actions against agents and companies.

The articles below may also help you learn more about auto insurance in Fort Worth