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Top 3 reasons why you should work with a local insurance agent in Texas

Written by <a href="https://rateretriever.com/about/katie-dee/"><span style="text-decoration: underline;">Katie Dee</span></a>
Written by Katie Dee
Written by Katie Dee
Edited by <a href="https://rateretriever.com/about/alyssa-dicrasto/"><span style="text-decoration: underline;">Alyssa DiCrasto</span></a>
Edited by Alyssa DiCrasto
Edited by Alyssa DiCrasto
Published on 2024-03-25

Read time: 3 min

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When you are beginning your insurance shopping process in Texas, there are several questions that you must consider. These include things like how much coverage you need, how your credit score might impact your rates, what the minimum coverage limits are in Texas, and so many more. It can be easy to fall victim to decision paralysis and end up choosing the first car insurance company you get in touch with. However, working with a local insurance agent in Texas can help you make it through with the coverage you need, the price you’re looking for, and the confidence that you’ve made the right choice.

There are several benefits to working with local agents when shopping for car insurance, but it really comes down to three key points. We have broken them down below to help you decide if working with a local agent in Texas is right for you.

1: Agents offer personalized, dedicated assistance

One of the most frustrating things about customer service these days is how tough it can be to get a human on the phone. So often, there are rounds of online chat bots or automated voice systems you need to go through before reaching a representative. Unfortunately, the same is often true of car insurance providers.

Local agents are different because they provide clients with a single number to reach them directly. This cuts out frustrating automated systems to reach a human and, since you speak with the same person every time you call, there is a level of continuity that working with providers doesn’t always offer you.  

According to Sally Mercer, Farmers Agent and Agency Owner in Pearland, TX, local agents take the time needed to speak with you and answer every question you have within the context of your specific policy.

“Local agents take the time to listen, ask questions, and offer options based on client needs and budget – no website, online application or representative in a call center is able to do this properly,” Mercer explained.

Stephanie Prather, Allstate Insurance Agent in Haslet, TX, emphasized this point, saying that agents will take more time with you to really get to know and understand your car insurance needs.

“We have the opportunity to speak personally with the driver to ask the questions needed to ensure they are getting all the discounts they are eligible for,” Prather said. “Also, we would have the opportunity to get to know the customer, this would help us know more about their requirements, budget and family, to make sure we are getting the most suitable policy for their specific needs.”

2: Access to a wealth of knowledge

The research involved in the car insurance shopping process can feel daunting. With numerous factors to consider and each state setting their own minimum requirements it can be tricky to ensure nothing falls through the cracks.

Charles Nicholas, Farmers Insurance Agent in San Antonio, TX, explained that local agents help to take this burden off drivers. “If they are speaking with an actual agent, they will be able to gather much more detailed information about them and their family and identify other potential discounts and coverage options they might not be aware of if shopping online or using an 800 number to buy insurance,” he said.

Since car insurance is a fairly large and complex expense, having a local agent there to help explain all the nuances of your policy can help you understand why your rate looks the way that it does and give you a sense of security that you are not overpaying – but also that you have the coverage you need.

Nicholas continued, “We might not always be able to save them money, but we will make sure they understand the coverages they have and how they work in the case of an accident.”

3: Opportunities for long term savings

The final key benefit of working with a local insurance agent in Texas is that they can help save you money not just up front, but down the road as well. Local agents have the necessary experience to consider what your claim payout may look like in the event of a future accident, theft, or repair and make sure that you understand what you are likely to be responsible for.

This is something that you may not be immediately concerned with because there is no guarantee that you will ever need to file a claim, but it is an essential thing to consider when shopping for insurance. A really good insurance agent will be able to strike that perfect balance between having a low monthly premium and ensuring that filing a claim won’t bury you.

Bryan Douget, Farmers Insurance Agent in Angleton, TX said, “Aside from the obvious that shopping local is always best for local economy, a local agent helps guide and educate needs vs wants. We all ‘want cheaper’ but we also ‘need’ to be educated on the risks of such decisions.”

This can be especially helpful when determining deductibles because while a higher deductible may lower your rate in the short term, you may be left with more financial responsibility in the future. A local insurance agent will help you assess these risks so you can confidently make the best decision for you.

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