When buying car insurance in Killeen, you have many choices and finding the best Texas insurance agent is harder than just using the same insurance agency as your neighbor. Consumers need a highly trained agent, but also need the best price on car insurance.
You have so many car insurance agents to choose from, and though it is a good thing to be able to choose, it can be more difficult to adequately compare rates.
Price shop online but buy from a local Killeen agent
Licensed agents can point out coverage gaps and help in the event of a claim. One of the best bonuses of getting online price quotes is the fact that you can find lower rates but also keep your business local.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is sent to local insurance agents who will battle for your coverage. You never need to drive around due to the fact that quote results will go to your email. It doesn’t get any easier! It’s the lowest rates and an insurance agent to talk to.
Selecting an insurance agent needs to be determined by more than just the bottom line cost. Any agent should have no problem answering these questions:
- Is working in the agency their full-time job?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Which members of your family are coverage by the policy?
- How long has their agency been open in Killeen?
- What insurance company do they write the most business with?
Two different types of auto insurance agents
When finding local Killeen agents, there are two different agency structures from which to choose. Agencies in Killeen are categorized either independent (non-captive) or captive.
Captive Agents
These agents write business for a single company and some examples include AAA, Allstate and State Farm. They usually cannot shop your coverage around so keep that in mind. They are well schooled on the products they sell and that can be a competitive advantage.
Below are captive agencies in Killeen that are able to give rate quotes.
Allstate Insurance – 1801 Trimmier Rd # A1 – Killeen, TX 76541 – (254) 526-7123
State Farm Insurance – 510 S 2nd St – Killeen, TX 76541 – (254) 634-3590
Farm Bureau Insurance – 4200 E Stan Schlueter Loop # D – Killeen, TX 76542 – (254) 690-7111
Independent Agents (or Brokers)
Independent agencies are not employed by any specific company so they can insure your vehicles with many different companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house without you having to go to a different agency. When comparison shopping, it’s a good idea to include at a minimum one independent agency for maximum quote selection.
Below are Killeen independent insurance agencies willing to provide price quotes.
Hillard Insurance Agency – 807 N 8th St – Killeen, TX 76541 – (254) 634-2661
Larry Weiss Agency – 2302 W Stan Schlueter Loop – Killeen, TX 76549 – (254) 554-5252
Hershberger Insurance – 1805 Florence Rd # 15 – Killeen, TX 76541 – (254) 519-7858
Union Insurance – 315 E Avenue G – Killeen, TX 76541 – (254) 634-8181
To view a complete directory of Killeen insurance agents, visit this site.
Once you have reasonable responses to all your questions and locked in a price quote, chances are good that you have found an auto insurance agent that is a good match to adequately provide car insurance.
Isn’t it cheaper to buy from online companies like Geico?
Insurance agencies can be invaluable at times, but Texas car insurance can also be bought from companies direct over the internet. Even companies like Allstate and State Farm who sell through agents in Killeen also allow you to buy direct online, and consumers should do that.
If you’re uncomfortable with selecting your own policy coverages when buying direct, that is quite common when buying online the first time. Companies that require consumers to choose their own coverages have toll-free phone numbers and other options you can use to get advice on coverages. Many online companies also provide a frequently asked questions page that you can use if you have questions.
Do people save by buying online? Whether or not you’ll save is impossible to say due to the fact that there are multiple individual factors that influence how your policy is priced. It’s often assumed that a shopper who purchases direct prevents the agent from taking a cut. For most companies selling online, however, marketing their products costs a lot of money so the lack of a commission may be a wash.
More Texas car insurance information
Additional detailed information can be read at the Texas Department of Insurance website. Texas drivers can read enforcement actions against agents and companies, read state legal mandates and laws, and view a list of available companies.
One last thing about your coverage
Budget-conscious car insurance can be sourced both online in addition to many Killeen insurance agents, and you should compare price quotes from both to have the best selection. Some car insurance companies do not provide online price quotes and these small insurance companies work with independent agents.
As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.
