How to Find the Best Car Insurance Provider in Odessa

When pricing car insurance in Odessa, Texas, choosing the right Odessa car insurance agent takes more work than just making a phone call. It’s likely you’re looking for an excellent agent, but you also want to find great rates as well.

With companies like State Farm, Allstate and Farmers Insurance all competing for business in Odessa, it can be hard to know which car insurance agent will have the best rates, service and coverage. Fortunately, you can use online quoting to assemble a group of insurance agents from which to choose.

Comparing prices from Odessa agents

Professional agents can answer important questions and give you peace of mind. The biggest benefit of comparing rates online is that you can obtain the lowest rates but also keep your business local. Supporting local insurance agencies is important particularly in Odessa.

After filling out this quick form, your insurance coverage information is instantly submitted to insurance agents in Odessa who will battle for your coverage. You never need to leave your computer because quoted prices will be sent straight to your inbox. It doesn’t get any easier!

Types of insurance agents

When researching local Odessa agents, you need to know there are two types of agencies from which to choose. Odessa agents are categorized either independent or captive. Both types can properly insure your vehicles, but it’s worth learning the differences since it may influence the selection process.

Independent Agencies or Brokers

These agents are not required to write business for one company so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, it’s a good idea to contact several independent insurance agents for maximum quote selection.

The following is a list of independent insurance agencies in Odessa that can give you price quotes.

Curtis Saylor Insurance – 5621 Ector Ave – Odessa, TX 79762 – (432) 337-2182
Mc Kenzie Agency Inc – 1315 N County Rd W – Odessa, TX 79763 – (432) 333-3532
Agency – 1471 Tanglewood Ln – Odessa, TX 79761 – (432) 272-0767
Houston Copeland Agency – 2240 E 52nd St – Odessa, TX 79762 – (432) 366-8888
Gray Insurance – 82 Emerald Forest Dr – Odessa, TX 79762 – (432) 550-3588

Agency Captives

This type of agents can only place business with one company such as Allstate, AAA, Liberty Mutual and State Farm. They generally cannot compare other company’s rates so they are skilled at selling on more than just price. They are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums.

Below are captive insurance agencies in Odessa that are able to give price quotes.

Farmers Insurance Group – 11680 W Catalpa St – Odessa, TX 79763 – (432) 385-0669
Allstate Insurance Companies – 2651 John Ben Shepperd Pkwy – Odessa, TX 79761 – (432) 366-2886
State Farm Insurance – 4401 N Grandview Ave – Odessa, TX 79762 – (432) 367-4121

For a full directory of Odessa captive agents, go to this page.

Choosing an insurance agency shouldn’t rely on just the premium amount. Here are some questions to ask:

  • Do they assist clients in filing claims?
  • Are they properly licensed to sell insurance in Texas?
  • How long has their agency been in business in Odessa?
  • Can they give you a list of client referrals?
  • How much will you save each year by using a higher deductible?
  • Is working in the agency their full-time job?

After receiving reasonable responses as well as a affordable price, chances are good that you have found an insurance agency that can adequately provide car insurance.

Online auto insurance companies

Auto insurance agents are perfect for certain consumers, but Texas drivers can also buy direct from companies that only sell online. Some companies like Allstate and State Farm who have local agents in Odessa also permit you to get a quote and buy online, so this should also be taken into consideration if you’re trying to lower your rates.

If you’re uneasy about not having an agent to talk to when shopping online, don’t let it bother you. Car insurance companies provide phone numbers and online resources for getting the best coverage. They also make available online help and live chat you can access prior to buying.

Does buying online save money? It’s difficult to say for sure since companies use quite a few components that influence the price you pay. Some people think that buying direct cuts out the agent as a middleman. In many cases, the cost of constant advertising is expensive so the lack of a commission may be a wash.

Texas car insurance agent

Texas car insurance information

Additional car insurance information can be read on the website for the Texas Department of Insurance through this link. Texas drivers can learn about specific coverages, learn about insurance regulations, read enforcement actions against agents and companies, and get help finding coverage.

Other informative sites include Auto Insurance 101 and this list of insurance agents in Odessa.

And the best car insurance company is…

Budget-conscious car insurance is attainable from both online companies and also from your neighborhood Odessa agents, so compare prices from both to have the best rate selection. A few companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

Drivers switch companies for many reasons like delays in responding to claim requests, high prices, extreme rates for teen drivers or denial of a claim. Regardless of your reason for switching companies, finding a new car insurance company is pretty easy and you might even save some money in the process.