Easy Guide to Finding a Temple Auto Insurance Agent

When finding an insurance agent in Temple, Texas, you can begin your search using online quotes rather than looking in the yellowpages. Chances are good you require not only a good agent that listens to you, but you also want the best rates possible.

With companies like Allstate, Farmers and State Farm as well as independent agents having local Temple offices, it can be hard to know which provider will have the cheapest rates and the best coverage. Thankfully, consumers can get online quoting to build a list of insurance agencies and thier coverage prices.

Save time by quoting online

Educated insurance agents can point out coverage gaps and help you file claims. The biggest benefit of getting online price quotes is you may find the best rates and still have an agent to talk to. And supporting local agencies is important particularly in Temple.

To help locate an agent, after submitting this short form, the coverage information is emailed to agents in your area who will compete for your insurance coverage. You won’t need to leave your house since price quotes are sent immediately to your email address. It doesn’t get any easier!

What types of insurance agencies are in Temple?

When finding a good Temple insurance agent, you must know there are a couple different agency structures from which to choose. Temple agents are categorized either independent or captive. Both insure your vehicles, but it’s good to learn the difference between them since it can impact your agent selection.

Independent Agents (or Brokers)

Independent agencies do not work for one specific company but rather can write business with lots of companies depending on which coverage is best. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies.

When searching for an agent, it’s a good idea to contact at a minimum one independent agency for the best price selection.

The following are Temple independent agents that can give you rate quotes.

David Nix Agency – 2526 Blue Meadow Dr – Temple, TX 76502 – (254) 770-3355
Larry Wilkerson Insurance – 420 Greenview Dr – Temple, TX 76502 – (254) 773-0755
Acceptance Insurance Co – 1400 W Adams Ave – Temple, TX 76504 – (254) 771-7722
Brian Gowan Agency – 2027 S 61st St # 121 – Temple, TX 76504 – (254) 899-9600
John Troy Agency – 114 E Upshaw Ave – Temple, TX 76501 – (254) 791-2857

Captive Insurance Agents

Captive agencies work for only one company and some examples include State Farm, AAA and Liberty Mutual. They are unable to give you multiple price quotes so always compare other rates. Captive agencies are very knowledgeable in insurance sales which can be an advantage.

The following is a list of captive insurance agents in Temple that can give you price quote information.

State Farm Insurance – 1304 S 1st St – Temple, TX 76504 – (254) 778-4717
Farmers Insurance Group – 416 Greenview Dr – Temple, TX 76502 – (254) 771-2751
Farm Bureau Insurance – 1341 Marlandwood Rd – Temple, TX 76502 – (254) 778-4741
Allstate Insurance – 2723 Exchange Plz – Temple, TX 76504 – (254) 774-9292

For a complete listing of Temple captive agencies, simply jump to this page.

Choosing an auto insurance agent should depend on more than just the bottom line cost. Any agent should have no problem answering these questions:

  • If you are a high risk driver, do they have special markets for your coverage?
  • Do they make recommendations based only on price?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Are you getting all the discounts the company offers?
  • What insurance company do they write the most business with?

After receiving positive feedback to all your questions and a low price estimate, you’ve probably found an insurance agent that can properly insure your vehicles.

What about online companies that cut out the middleman?

Insurance agencies serve a purpose, but you also have the option of buying Texas car insurance direct from companies that only sell online. Some specific companies that sell primarily through agents also permit you to buy direct on their websites, and online price comparisons are easy if you prefer to buy online.

If you’re worried about not having an insurance agent’s advice when shopping online, this is normal but is quickly overcome. Car insurance companies provide customer service you can use to get advice on coverages.

Is it cheaper to buy online? It’s difficult to provide an answer because of the number of factors which can adversely affect your policy premium. Some people will tell you that a shopper who purchases direct saves money because there is no agent involvement. But that assumption is generally incorrect because marketing their products costs a lot of money and those expenses can offset most of the savings by selling direct.

If the best price is important to you, the most effective way to determine whether prices are lower online or from agents is to compare price quotes from both. You may actually get a different price from exactly the same company depending on where you get the price quote from.

What is YOUR best insurance company?

When shopping online for car insurance, never buy less coverage just to save a little money. There are too many instances where an insured cut comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. Your strategy should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

People leave their current company for many reasons like questionable increases in premium, extreme rates for teen drivers, delays in responding to claim requests or even policy cancellation. Regardless of your reason, choosing a new insurance company is easier than you think.

Informative consumer insurance sites

Additional car insurance information can be read on the website for the Texas Department of Insurance through this link. Visitors are able to file complaints about an insurance agent or broker, view a list of available companies, and get help finding coverage.