How to Get the Best Price from Tyler Auto Insurance Agents

To locate a licensed insurance agent in Tyler, you can always start your research on the web to save time. The chances are good you’re looking for a good agent, but also great rates as well.

With insurance companies like American Family, Allstate, State Farm and independent agents all competing for business in Tyler, it’s hard to tell which insurance agency will provide you with the best service and rates. To help decide, consumers can use insurance quotes online in order to build a list of insurance agents from which to choose.

Quote online but still have a local agent

Insurance agents can point out coverage gaps and help file insurance claims. One of the great benefits of price shopping on the web is you can get the lowest rates but still work with a licensed agent. Supporting local businesses is definitely important in Tyler.

To help locate an agent, after submitting this quick form, the coverage information is emailed to insurance agents in Tyler who will give you bids for your insurance coverage. There is no need to even leave your home as quotes are delivered straight to your inbox. How’s that for easy!

Compare rates from both independent and captive insurance agents

When looking for a local agent, you need to know there are two different agency structures to choose from. Insurance agencies in Tyler can either be captive or independent. Either one can insure your vehicles, but it’s good to learn the difference between them since it may influence the selection process.

Independent Agencies or Brokers

Independent insurance agents are not required to write business for one company but rather can write business with lots of companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency. When comparison shopping, it’s a good idea to contact at least one independent agent to get the best comparison.

Shown below are independent insurance agencies in Tyler that can give you competitive price quotes.

Combined Agency Inc – 307 N Glenwood Blvd – Tyler, TX 75702 – (903) 597-0574
Vaughn General Agency Inc – 3800 Paluxy Dr – Tyler, TX 75703 – (903) 561-8500
CNA Insurance – 2010 Sybil Ln – Tyler, TX 75703 – (903) 939-2882
Gibb Agency – 1517 W Southwest Loop 323 – Tyler, TX 75701 – (903) 561-0009
United Teacher Assoc Insurance – 3334 S Southwest Loop 323 – Tyler, TX 75701 – (903) 509-9498

Captive Insurance Agents

Captive insurance agents work for only one company like Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are not able to compare other company’s rates so keep that in mind. Captive agents are very knowledgeable in insurance sales which helps them sell insurance even at higher premiums.

Below are Tyler captive insurance agents who can help you get price quotes.

State Farm Insurance – 723 S Broadway Ave – Tyler, TX 75701 – (903) 593-2503
Farmers Insurance Group – 3302 Old Jacksonville Rd – Tyler, TX 75701 – (903) 939-1770
Farm Bureau Insurance – 12208 State Highway 31 W – Tyler, TX 75709 – (903) 596-0690
Allstate Insurance – 4719 Old Bullard Rd – Tyler, TX 75703 – (903) 561-5100

For a full directory of auto insurance agents in Tyler, click here to link.

Deciding on an insurance agency needs to be determined by more than just the price. These are valid questions to ask:

  • Who is covered by the car insurance policy?
  • Are there any discounts that you might be missing?
  • Will your rates increase after a single accident?
  • Is the agent and/or agency licensed to do business in Texas?
  • What insurance companies do they recommend if they are an independent agent?

Once you have received good answers to your questions and locked in a price quote, chances are good that you have found an insurance agent that meets your needs to properly service your auto insurance policy.

Include online companies when price shopping

Licensed agents are important, but you also have the option of buying direct from companies that only sell online. Even companies, such as State Farm, Allstate and Farmers, who sell through agents in Tyler also give you the ability to quote and buy online, so keep that in mind if you’re trying to lower your rates.

If you’re worried about not having someone to ask questions when buying direct, this is expected but don’t let that bother you. Companies that require consumers to choose their own coverages all have toll-free customer service you can use to get advice on coverages. They also have 24/7 live help and a car insurance FAQ section to help you make a buying decision.

Is it cheaper to buy car insurance online? The answer is complex because there are many components that influence how your policy is priced. Some people will tell you that buying online cuts out the agent as a middleman. But the fact is, online and traditional media advertising are expensive and those expenses can offset most of the savings by selling direct.

best Texas insurance agency

Better coverage you can count on

Cheap auto insurance can be sourced online and also from your neighborhood Tyler agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who may not provide the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped physical damage coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at an affordable rate, not the least amount of coverage.

More Texas auto insurance information

Additional auto insurance information can be found on the website for the Texas Department of Insurance through this link. Texas drivers can learn about specific coverages, report car insurance fraud, and get help finding coverage.

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