Finding good auto insurance in Bryan can be challenging since there are a lot of options and picking a good Texas car insurance agent is not as easy as just using the same auto insurance agent as your neighbor. You need a good agent, but also the lowest rates for auto insurance in Bryan.
You have multiple car insurance agents to buy insurance from, and though it is a good thing to have a choice, so many choices can make it hard to adequately compare rates.
Bryan agents and online quotes
Good agents can help determine the best coverages and help submit paperwork. One of the best bonuses of price shopping on the web is the fact that you can find lower rates and still have an agent to talk to.
For easy comparison, once you complete this simple form, your coverage information is transmitted to insurance agents in Bryan who will compete for your coverage. There is no reason to leave your computer since price quotes are sent directly to your email. How’s that for easy! You can find the lowest rates and a licensed agent to work with.
Picking a car insurance agent should depend on more than just a cheap price. Any agent should be forthright in answering these questions:
- Does the agency support the community they serve?
- If you are a high risk driver, do they have special markets for your coverage?
- Are claim adjusters local or do you have to take your car somewhere else?
- Is the agent and/or agency licensed to do business in Texas?
- If your car is in the repair shop, do you have coverage for a rental car?
- Will their companies depreciate repairs to your car based on the mileage?
- Which insurance companies are they affiliated with?
- If they are an independent agency, which companies do they recommend?
Choose an insurance agent wisely
When looking for a reputable insurance agent or broker, there are a couple of types of agencies from which to choose. Bryan agents can either be captive or independent.
Captive Insurance Agents
This type of agents work for only one company and examples are Liberty Mutual, State Farm, Allstate and AAA. They generally cannot provide prices from multiple companies so it’s a take it or leave it situation. Captive agencies are usually quite knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
Below are captive agents in Bryan who can help you get price quote information.
Allstate Insurance – 3601 E 29th St # 14 – Bryan, TX 77802 – (979) 846-6466
Farmers Insurance Group – 4012 Stillmeadow Dr – Bryan, TX 77802 – (979) 260-1202
State Farm Insurance – 1737 Briarcrest Dr # 11 – Bryan, TX 77802 – (979) 776-1300
Southern Farm Bureau Casualty – – Bryan, TX 77802 – (979) 260-2011
Independent Agencies or Brokers
Independent agents do not work for one specific company but rather can write business with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part.
When searching for an agent, you should always contact at least one independent agent to get the best comparison.
Shown below is a list of independent insurance agencies in Bryan willing to provide rate quotes.
Dean Hendrix and Assoc Insurance – 1416 E 29th St – Bryan, TX 77802 – (979) 779-6168
A D S Insurance Agency – 3412 E 29th St – Bryan, TX 77802 – (979) 846-7376
Jimmy D Ford Insurance – 2104 E Wm J Bryan Pkwy – Bryan, TX 77802 – (979) 776-8111
To view a full list of Bryan insurance agents, simply jump to this page.
After getting answers to your satisfaction to these questions and an affordable coverage quote, it’s possible that you found a car insurance agent that is a good match to insure your vehicles.
Include online companies when price shopping
Car insurance agents are perfect for certain consumers, but Texas drivers can also buy direct from companies online. Certain auto insurance companies that sell primarily through agents additionally provide the ability to get a quote and buy online, and that is helpful if finding the best price is important.
If you’re apprehensive about not getting advice from an agent when buying online, don’t sweat it. Car insurance companies that allow you to purchase coverage provide phone numbers and online resources to answer any questions you may have.
Will auto insurance cost less online? It’s difficult to say for sure because of the number of factors that determine the price you pay. Many people think that a shopper who purchases direct saves money because there is no agent involvement. But in reality, there are high advertising and marketing costs and this drives up their premium costs.
The best way to determine if prices are better online or from an agent is to get free quotes from both and compare them. It’s fairly common that you receive different coverage costs when getting a price from both an agent and online for the exact same company. But you won’t know which way will be cheaper until after you compare the same coverages both ways.
Keep this in mind
Drivers leave their current company for many reasons like not issuing a premium refund, being labeled a high risk driver, high rates after DUI convictions or delays in paying claims. Whatever your reason, finding a new auto insurance company can be easy and end up saving you some money.
As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the best price.
For more Texas car insurance information
Additional detailed information can be read at the Texas Department of Insurance website. Consumers can read consumer alerts, file complaints about a company, and learn about insurance regulations.
