If you’re looking to buy auto insurance, finding the best Texas car insurance agent is harder than just using the same auto insurance agent as your neighbor. Chances are good you not only want a good agent that listens to you, but you also want to find the lowest possible price.
With companies like State Farm, Allstate and Farmers Insurance having local Lubbock offices, it’s difficult to determine which will provide you with the lowest rates and best service. Fortunately, consumers can get insurance quotes online to get a list of insurance agencies to choose from.
Educated insurance agents can help determine the best coverages and help in the event of a claim. The biggest benefit of comparing insurance prices online is that you can obtain better rates but also keep your business local. And providing support for local insurance agencies is important particularly in Lubbock.
For easy comparison, once you complete this quick form, the quote information is sent to insurance agents in Lubbock who will compete to get your business. You won’t need to drive around because quoted prices will be sent straight to your inbox. Now that’s easy! You can find the lowest rates and work with a local agent.
If you’re trying to find a local agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Lubbock agents are categorized either captive or independent (non-captive).
Independent agents are not employed by any specific company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. 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 comparing rates, you should always get quotes from multiple independent agents for the best price selection. They often place coverage with smaller regional carriers which may provide better rates.
Listed below is a list of independent insurance agencies in Lubbock that can give you price quote information.
These agents can only place business with one company and some examples include American Family, State Farm and Allstate. They generally cannot shop your coverage around so they have to upsell other benefits. They are trained well on their company’s products which can be an advantage. Consumers frequently buy from captive agents primarily because of high brand loyalty and strong financial ratings.
Below is a short list of captive insurance agencies in Lubbock willing to provide price quote information.
For a complete listing of captive insurance agencies in Lubbock, go to this page.
Choosing an insurance agent shouldn’t rely on just a low price. Any agent should be forthright in answering these questions:
Upon receiving reasonable responses to all your questions and a good coverage price, you’ve probably found an insurance agency that meets your needs to adequately provide auto insurance.
Local insurance agents are important, but you can also find affordable Texas auto insurance direct from companies that only sell online. Some car insurance companies who have local agents in Lubbock also permit you to buy a policy online, and that is helpful if you want to do it yourself.
If you’re worried about not having professional advice when buying direct, this really isn’t an issue. Online insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options to help you decide which coverages are appropriate.
Does coverage cost less online? It’s difficult to provide an answer because there are many factors that influence your rates. It’s often assumed that shopping direct saves money because there is no commission. For most online online companies, however, there are very high advertising costs and this drives up their premium costs.
Much more information about auto insurance in Texas can be read on the Texas Department of Insurance website. Click here for link. Consumers can view agent and company licensing information, find a variety of consumer forms, and find disaster information.
The articles below may also help you learn more about auto insurance in Lubbock
The cheapest auto insurance can be found from both online companies and with local Lubbock insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.
Drivers who switch companies do it for a variety of reasons including high rates after DUI convictions, not issuing a premium refund, denial of a claim or policy cancellation. It doesn’t matter what your reason, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.