Killeen Texas Auto Insurance Company Online Price Comparisons

Finding good auto insurance in Killeen can be challenging since you have many choices and choosing the right Killeen auto insurance agent is harder than just calling the closest agent. Consumers require a great agent that can assess your needs, and also competitive auto insurance rates.

Insurance companies such as State Farm, Allstate, GEICO and Progressive all promote huge savings with TV and radio ads and it is difficult to see through the cute green geckos and mayhem and find the best price available.

Working with a local agent

Licensed agents can help determine the best coverages and give you someone to call. One of the great benefits of comparing rates online is that you can obtain better rates but still work with a licensed agent.

Upon completion of this short form, your insurance coverage information is immediately sent to companies in Killeen who will battle for your insurance coverage. You won’t need to leave your computer as quotes are delivered immediately to your email address. It doesn’t get any easier! Get lower rates without the usual hassles of price shopping.

Deciding on an insurance agency shouldn’t rely on just a low price. Ask your prospective agent these questions:

  • Which company do they place the most coverage with?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Are they able to influence company decisions when a claim is filed?
  • How many years of experience in personal lines insurance coverages do they have?
  • What will you get paid if your car is a total loss? How is that amount determined?

Choose the right insurance agency

When researching a good Killeen insurance agent, there are two types of agencies to choose from. Agencies in Killeen can either be captive or independent (non-captive).

Captive Insurance Agents

Captive insurance agents can only place business with one company like Farmers Insurance, American Family, State Farm and Allstate. Captives cannot compare other company’s rates so they have to upsell other benefits. Captive agents are trained well on their products and sales techniques which helps them compete with independent agents.

Shown below are captive insurance agencies in Killeen who can help you get price quotes.

Allstate Insurance – 1801 Trimmier Rd # A1 – Killeen, TX 76541 – (254) 526-7123
Farm Bureau Insurance – 4200 E Stan Schlueter Loop # D – Killeen, TX 76542 – (254) 690-7111
State Farm Insurance – 510 S 2nd St – Killeen, TX 76541 – (254) 634-3590

Independent Insurance Agents

Independent insurance agents are not required to write business for one company but rather can write business with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies and that require little work on your part. When shopping rates, we recommend you include price quotes from multiple independent agents for the best price selection.

The following is a short list of independent agencies in Killeen that can give you price quotes.

Hillard Insurance Agency – 807 N 8th St – Killeen, TX 76541 – (254) 634-2661
All American Insurance – 1805 Florence Rd # 7 – Killeen, TX 76541 – (254) 526-2223
Amco Insurance – 300 E Veterans Memorial Blvd – Killeen, TX 76541 – (254) 519-1213
Larry Weiss Agency – 2302 W Stan Schlueter Loop – Killeen, TX 76549 – (254) 554-5252

To view a complete directory of Killeen insurance agents, please click here.

Once you have reasonable responses to your questions as well as a affordable price, you’ve probably found an insurance agency that meets your needs to insure your vehicles.

Which insurance is the “right” coverage?

When choosing the best auto insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can help discover whether your personal situation could use an agent’s help.

  • Does medical payments coverage apply to all occupants?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How can I get high-risk coverage after a DUI?
  • Does my vehicle qualify for pleasure use?
  • Does my insurance cover my expensive audio equipment?
  • Can I rate high risk drivers on liability-only vehicles?
  • If my vehicle is totaled, can I afford another vehicle?
  • Am I getting all the discounts available?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent.

Do online auto insurance companies have better rates?

Licensed agents are important, but you also have the option of buying from online companies direct. Some companies, such as Farmers Insurance and State Farm, that are more known for using agents, also let you get quotes and purchase online. This is something to consider if the lowest rate is your goal.

If you’re uneasy about not having someone to ask questions when buying online, this is normal but is quickly overcome. Auto insurance companies that allow you to purchase coverage have customer service departments to walk you through the process. You may also access help pages and frequently asked questions so you can feel comfortable buying online.

Can buying online lower your premiums? It’s difficult to provide an answer because there are many components that determine your policy premium. Many people think that purchasing direct online saves money because there is no commission. But in most cases, the cost of constant advertising is expensive so the rates may be similar to buying from an agent.

The only method to determine if agents have better prices than online companies is to set aside time to compare rates from both. It’s not unheard of to actually get different prices when quoting both agents prices and online prices for the identical company.

In Summary

As you go through the steps to switch your coverage, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, someone sacrificed liability coverage limits only to find out that they should have had better coverage. Your focus should be to buy the best coverage you can find at a price you can afford.

Texas car insurance quote

Insureds who switch companies do it for a number of reasons such as extreme rates for teen drivers, high prices, delays in paying claims and not issuing a premium refund. Whatever your reason, choosing a new insurance company is less work than it seems.

Even more information can be found at the Texas Department of Insurance website. Visitors are able to read industry bulletins, report car insurance fraud, file complaints about a company, and find out industry alerts.

Also read more on this site for auto insurance information in Texas and this list of insurance agents in Killeen.