Comparing auto insurance rates in Midland can be a lot of work since selecting the best Midland insurance agent for your needs is more difficult than just using the same insurance agency as your neighbor. It’s assumed that not only do you want a good professional insurance agent, but you also want to find the lowest possible price.
With insurance companies like independent agents, Allstate and State Farm having local Midland offices, it’s difficult to determine which provider will provide you with the lowest rates and best service. Thankfully, consumers can use insurance quotes online in order to build a list of insurance agencies and thier coverage prices.
Quote online but still have a local agent
Agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of getting online price quotes is that you can obtain the best rates and still have an agent to talk to. Supporting local insurance agencies is important particularly in Midland.
For easy comparison, once you complete this simple form, the coverage information gets sent to local insurance agents in Midland who will compete for your insurance coverage. There is no need to drive around as quotes are delivered to the email address you provide. How’s that for easy! You’ll get the best rates and work with a local agent.
Captive agents vs. Independent agents
When looking for a good Midland insurance agent, you must know there are a couple different types of agents that you can select. Agencies in Midland can either be captive or independent.
Independent Agencies or Brokers
Independent agents do not work for one specific company so they have the ability to put coverage with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part.
When shopping rates, it’s recommended you contact at a minimum one independent agency to ensure the widest selection of prices.
Below is a short list of independent insurance agencies in Midland who can help you get competitive price quotes.
Stoltz Insurance – 3300 N A St # 1-100 – Midland, TX 79705 – (432) 571-4900
Dan Cornelison Agency – 203 W Wall St # 500 – Midland, TX 79701 – (432) 682-8276
Norwood Insurance – 303 W Wall St # 2202 – Midland, TX 79701 – (432) 684-5005
Vick Agency – 1211 Neely Ave – Midland, TX 79705 – (432) 683-8238
Reeves Insurance Agency – 1015 N Midkiff Rd – Midland, TX 79701 – (432) 689-8166
Captive Insurance Agents
These agents have only one company to place business with like Allstate, State Farm and Farmers Insurance. They are unable to place coverage with different providers so they have no alternatives for high prices. Captive agencies are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
Listed below are Midland captive agents who can help you get price quote information.
State Farm Insurance – 4200 N Midland Dr – Midland, TX 79707 – (432) 689-6800
Farm Bureau Insurance – 1219 S Fairgrounds Rd – Midland, TX 79701 – (432) 570-1365
Farmers Insurance Group – 5100 Andrews Hwy – Midland, TX 79703 – (432) 689-9838
Allstate Insurance – 4400 N Big Spring St # C25 – Midland, TX 79705 – (432) 682-3472
For a complete listing of captive insurance agencies in Midland, simply jump to this page.
Selecting an auto insurance agent requires more thought than just the premium amount. Here are some questions to ask:
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- 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?
- Does the agency support the community they serve?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How much can you save by raising your physical damage deductibles?
- Do they assist clients in filing claims?
After receiving good answers and locked in a price quote, you have narrowed it down to a car insurance agent that will properly service your auto insurance policy.
But what about Geico, Esurance and Progressive?
Insurance agents serve a purpose, but you also have the option of buying direct online. Certain auto insurance companies who have local agents in Midland also permit you to get quotes and purchase online, and that can save time if you want to do it yourself.
If you’re apprehensive about not having professional advice when buying online, this is a normal reaction for first-time shoppers. Auto insurance companies all provide contact methods you can use to get advice on coverages.
Do customers save by switching to an online company? The answer to that question is complicated due to the large number of individual components that impact your rate calculation. You may think that buying online saves by not paying a commission. For the majority of companies, however, advertising budgets are huge so rates may not be all that different from traditional agents.
One last thing about your coverage
The cheapest auto insurance can be bought online and with local Midland insurance agents, and you should be comparing both so you have a total pricing picture. Some auto insurance companies do not offer online quoting and most of the time these small, regional companies sell through independent agents.
Consumers change insurance companies for a variety of reasons including high prices, delays in paying claims, poor customer service and extreme rates for teen drivers. No matter why you want to switch, switching companies is not as hard as you think.
Consumer auto insurance information in Texas
Additional auto insurance information is located on the website for the Texas Department of Insurance found here. Consumers can read enforcement actions against agents and companies, get help finding coverage, file complaints about an insurance agent or broker, and find a variety of consumer forms.