Guide to Finding an Insurance Agent in Waco

If you’re looking to buy car insurance, there are a lot of options and finding the best Texas auto insurance agent is harder than just driving to the closest agent’s office. Consumers require a good professional insurance agent, but also affordable rates.

Since consumers have many choices of insurance companies, it’s difficult to choose the most cost effective provider.

Don’t assume everyone needs the same coverage

When choosing coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions could help you determine whether or not you might need an agent’s assistance.

  • Am I getting all the discounts available?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • How much liability coverage do I need in Texas?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I qualify for additional discounts?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent.

Online quotes with a local Waco insurance agent

Insurance agents can help determine the best coverages and help in the event of a claim. The biggest benefit of comparing rates online is the fact that you can find the lowest rates and still choose a local agent.

For easy comparison, once you complete this form (opens in new window), the quote information is submitted to agents in your area who will battle for your insurance coverage. There is no reason to even leave your home as quotes are delivered directly to your email. How’s that for easy!

Deciding on an insurance agent requires more thought than just the bottom line cost. Any agent should be forthright in answering these questions:

  • Do they carry Errors and Omissions coverage?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Do they receive special compensation for putting your coverage with one company over another?
  • How many years of experience in personal lines insurance coverages do they have?
  • What are the financial ratings for the companies they represent?
  • How much will you save each year by using a higher deductible?

Best car insurance agent in Waco

If you’re trying to find a local agent, you must know there are a couple types of agencies to choose from. Waco agents are classified as either independent (non-captive) or captive. Both do a good job, but it’s good to learn the differences since it may influence your selection of an agent.

Captive Insurance Agents

Captive agents work for only one company and some examples include Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to give you multiple price quotes so they have to upsell other benefits. These agents are usually quite knowledgeable on their company’s products and that can be a competitive advantage.

Listed below are captive insurance agents in Waco that are able to give rate quotes.

Farm Bureau Insurance – 320 W Loop 340 – Waco, TX 76712 – (254) 772-8090
State Farm Insurance – 4600 Bosque Blvd # 1b – Waco, TX 76710 – (254) 776-0215
Allstate Insurance – 331 W Highway 6 # F – Waco, TX 76710 – (254) 772-2040
Farmers Insurance Group – 345 Owen Ln – Waco, TX 76710 – (254) 772-6162

Independent Agents (or Brokers)

Independent insurance agents are not employed by any specific company but rather can write business with lots of companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, we recommend you get quotes from multiple independent agents to have the most options to choose from.

Below is a short list of independent insurance agents in Waco who can help you get price quotes.

Insurors Agency Of Texas – 3701 W Waco Dr – Waco, TX 76710 – (254) 759-3701
Donald S Rowan Agency – 537 Westview Vlg – Waco, TX 76710 – (254) 772-2993
Insurcorp Agency Inc – 2029 Washington Ave – Waco, TX 76701 – (254) 754-2386
David L Senter Insurance – 510 N Valley Mills Dr # 304 – Waco, TX 76710 – (254) 772-9551
Kevin Krause Insurance – 6603 Sanger Ave – Waco, TX 76710 – (254) 772-2438

To view a full list of Waco insurance agents, visit this link.

After getting acceptable answers to your questions and a low price estimate, most likely you have located an insurance agent that will adequately provide car insurance.

Don’t exclude online companies

Licensed agents are important, but you can also buy Texas car insurance from online companies direct. Certain companies that sell primarily through agents additionally provide the ability to get a quote and buy online. This is something to consider as an alternative to contacting agents.

If you’re concerned about selecting your own policy coverages when shopping online, this really isn’t an issue. Companies provide toll-free numbers to answer any questions you may have.

Can buying online lower your premiums? That is a tough question to answer because of the fact that insurance companies use many factors that determine your policy premium. It would make sense to think that a customer who purchases direcly from an online company saves the commission normally paid to an agent. But in reality, online and traditional media advertising are expensive and those expenses can offset most of the savings by selling direct.

For more information

More detailed Texas car insurance information is available at the Texas Department of Insurance website. Visitors are able to read state legal mandates and laws, view agent and company licensing information, and learn about specific coverages.

Waco TX insurance company

Additional helpful sites include this page for car insurance prices in Texas and this page of Waco insurance agents.

What is YOUR best insurance company?

When shopping online for car insurance, make sure you don’t sacrifice coverage to reduce premiums. In many instances, an accident victim reduced collision coverage and found out when filing a claim they didn’t have enough coverage. The proper strategy is to buy enough coverage at a price you can afford while still protecting your assets.

Cheap car insurance is possible from both online companies in addition to many Waco insurance agents, so compare prices from both in order to have the best price selection to choose from. There are still a few companies who do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.