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Whether you are switching from a previous policy that no longer works for you, or you’re starting from square one, shopping for car insurance can be an overwhelming and even stressful process. Obviously, the most important thing is finding the lowest rate for the best coverage, however, this seemingly straight forward process can get a little murky. Thankfully, Texas drivers have access to numerous qualified, experienced, and knowledgeable local insurance agents to help carry this burden.
So, what can car insurance agents really do that consumers can’t just take care of themselves? According to Johnathan Shaw, Agency Owner of the Johnathan Shaw Agency in Lubbock, TX , a key benefit that agents bring to consumers is their ability to answer complicated questions that consumers would otherwise need to spend time researching on their own.
“Insurance agents are a big help when it comes to helping consumers. We work with underwriters a lot more consistently, which helps a lot when trying to answer questions that a customer might have and would need to spend hours on the phone trying to find an answer,” said Shaw.
He went on to explain that since agents can get in touch with underwriters more easily, the insurance shopping process typically goes much quicker when they are involved. Having an agent as a resource can help you to get covered faster without sacrificing any coverage or savings.
Furthermore, Debra Lopez, Agency Owner at the Debra Lopez Agency in Conroe, TX, explained that when you work with a local agent, you have a single point of contact who is working to get you the coverage and price you need. This experience is much more streamlined than working directly with a provider where it’s more difficult to reach the same person each time you call.
“There are plenty of benefits to working with a local agent instead of the provider directly, but the main benefits are that it supports local small businesses, gives consumers one person to call for all of their insurance needs, and gives them a professional team that will proactively help them find savings at their renewal or during policy changes,” Lopez explained.
Cortney Weaver, Farmers Agent at the Weaver Insurance Agency in Odessa, TX, said that a major way Texas agents can help you find the right policy is by asking you questions that you may not have thought to ask yourself.
“We know the towns and surrounding areas where there are high traffic/accidents,” Weaver said. “We offer you the correct coverage that will help you in the event of a claim. We ask questions that could help you in knowing the coverage that is best suited for you, and also ask questions for any possible discounts to provide.”
With all the different aspects involved in getting a car insurance policy, it’s not surprising that a few things may slip through the cracks. Having a local agent in your back pocket offers you a sense of security in the fact that you are turning over every stone and getting the cheapest rate.
Beyond your monthly payments, Weaver explained that Texas agents know all about coverage guidelines so they can discuss different coverage scenarios and how each of them would impact you if the need to file a claim should arise. This kind of forward thinking can help to save you money in the long run.
Another important benefit of shopping for insurance with an agent is that they can make the process much simpler than if you were to do it on your own. Whether it’s their ability to easily find you discounts, or the way they can explain nuances of your policy in easily understandable terms, Texas agents are there to help you along the way.
According to Laura Ferring, Owner of GEICO Local Flower Mound in Flower Mound, TX, this straightforward assistance comes in several different ways.
“Firstly, local agents have a deep understanding of the unique insurance needs and regulations specific to the area, ensuring tailored coverage that meets state requirements,” Ferring said. “Secondly, they provide personalized guidance, helping clients navigate through various policy options and select the most suitable coverage for their individual circumstances… Lastly, local agents often offer convenient in-person assistance, making the insurance shopping process more accessible and straightforward for consumers in Flower Mound and surrounding areas.”
All this is to say that working with a local agent makes the process of shopping for insurance feel much less burdensome for the consumer. Having a dedicated expert there to help you out can turn the process from a time-consuming and annoying responsibility into a quick and easy one.
Car insurance companies determine how much they charge you based on your driver profile. Factors that can impact your rates include:
Read more about the factors that impact your car insurance rate
Switching your car insurance is easy, even if you are in the middle of your current policy.
Here are some helpful tips to consider to switch your car insurance:
The answer to this question depends on where you live and what you would like to cover.
Each state has its own minimum requirements on the type and amount of insurance needed. When you’re trying to determine what and how much car insurance you need, you can start by reviewing your state’s requirements.
Find out what’s required in your state
Once you review your state’s minimum requirements, you may find that you want additional coverage. For example, sometimes owners of new cars want comprehensive coverage to insure their car from natural disasters and vandalism, even though comprehensive coverage isn’t required by their state. To figure out what insurance you want, you can review the different types of insurance to decide what makes the most sense for your situation.
The biggest difference between Rate Retriever and other comparison sites is that we are a free and impartial research tool NOT an insurance marketplace. This means you can’t purchase a policy directly through RateRetriever.com, but you can use our tool to independently research your options and seamlessly connect with the provider you choose.
Unlike other insurance comparison sites, we:
We like to think that Rate Retriever is your insurance companion, not just another insurance comparison site. Our values guide everything we do, which is why we strive to offer transparent, trustworthy insurance tools.
There are many ways you can try to get cheaper car insurance. The first is simply to get quotes from multiple providers. This will help you determine if you’re currently receiving the cheapest rates based on your needs and driver profile. Rate Retriever makes the comparison process easy.
Sometimes, the reason your car insurance is so expensive is due to your driver profile. For example, drivers under 20 years old usually pay more for insurance than more experienced drivers, and drivers with a recent at-fault accident or traffic violation typically pay more.
There are ways to lower the cost of your insurance such as taking a defensive driving course. Check with your provider to see if there are any discounts you qualify for or can reasonably earn.
Rate Retriever works with national and local insurance providers to provide our users with a seamless insurance shopping experience. We may earn a commission from our insurance provider partners when you click on a link, call, or purchase a policy from one of the providers listed on our site. That said, we’re committed to providing you with accurate, bias-free information, and we do not allow our partnerships to limit the results or influence the information we share with you.
We do not sell your personal information, charge you for using our tools, or sell you insurance policies. Additionally, should you choose to purchase a policy from one of our partners, the price you pay will not be adversely affected.
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