How-to Guide to Finding a Car Insurance Agent in Amarillo, TX

Selecting a car insurance company in Amarillo, Texas can be time consuming since there are a lot of options and selecting the best Amarillo insurance agent for your needs is not as easy as just randomly choosing from the yellow pages. It’s likely you’re wanting a great agent that can assess your needs, but you also want the lowest possible price.

With companies like Allstate, Farmers and State Farm as well as independent agents all competing for business in Amarillo, it can be hard to know which provider will provide the best rates, service and coverage. Thankfully, it’s easy to use online price quotes to assemble a group of insurance agents and thier coverage prices.

Buying car insurance locally

Insurance agents can point out coverage gaps and help file insurance claims. The best thing about comparing insurance prices online is that you can obtain lower rates and still choose a local agent. Buying from small agencies is especially important in Amarillo.

For easy comparison, once you complete this form (opens in new window), the coverage information is sent to participating agents in Amarillo who will give you bids for your business. You won’t need to leave your house since price quotes are sent directly to your email. Now that’s easy!

Different types of car insurance agents in Amarillo

When finding a good Amarillo insurance agent, you need to know there are two types of insurance agents to choose from. Agents can either be independent or captive. While both can insure your vehicles, but it’s worth mentioning how they differ because it can influence the type of agent you choose

Independent Agencies or Brokers

Independent agents are not required to write business for one company so they can insure your vehicles with lots of companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part.

When shopping rates, it’s a good idea to contact at a minimum one independent agency for maximum quote selection.

Listed below are Amarillo independent insurance agencies willing to provide rate quotes.

David Cox Agency – 5408 Bell St # 306b – Amarillo, TX 79109 – (806) 353-6065
Burt Allen Insurance – 2751 Civic Cir – Amarillo, TX 79109 – (806) 331-3246
Royce A Mason Insurance – 2700 S Western St # 700 – Amarillo, TX 79109 – (806) 359-9811
Dwayne Herring Agency – 7116 W Interstate 40 # A – Amarillo, TX 79106 – (806) 355-6596
Alice Brooks Agency – 2491 W Interstate 40 – Amarillo, TX 79109 – (806) 359-9799

Agency Captives

Captive agents work for only one company such as Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to give you multiple price quotes so always compare other rates. Captive agencies are well schooled in insurance sales which helps them compete with independent agents.

Below are captive agencies in Amarillo that are able to give rate quotes.

Farmers Insurance Group – 2710 Civic Cir – Amarillo, TX 79109 – (806) 352-4217
Farm Bureau Insurance – 4021 W 50th Ave – Amarillo, TX 79109 – (806) 358-0077
Allstate Insurance – 2300 Bell St # 1 – Amarillo, TX 79106 – (806) 355-3302
Bobby Damon State Farm Ins – 5000 W 45th Ave – Amarillo, TX 79109 – (806) 355-8898

For a full directory of Amarillo captive agents, visit this site.

Selecting an auto insurance agent requires more thought than just the premium amount. These are valid questions to ask:

  • Do they receive special compensation for putting your coverage with one company over another?
  • 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?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • How much can you save by raising your physical damage deductibles?
  • How long has their agency been open in Amarillo?

Upon receiving satisfactory answers for all questions you ask and locked in a price quote, chances are good that you have found an auto insurance agent that meets your needs to adequately provide car insurance.

Can you save by buying online?

Local insurance agents are indespensible for some people, but you can also buy Texas car insurance direct from companies online. Some specific companies who sell through the agent channel also allow consumers to buy online, and that is helpful if you want to do it yourself.

If you’re uncomfortable with having to choose coverages yourself, this really isn’t an issue. Online car insurance companies that require consumers to choose their own coverages provide customer service you can use to get advice on coverages.

Does car insurance cost less online? It’s hard to say exactly since there may be dozens of rate factors that influence the price you pay. Some people will tell you that buying directly from the company saves the cost of an agent commission. For most online online companies, however, promoting brand recognition is pricey and this drives up their premium costs.

Locate Amarillo insurance agents

More information is available on the website for the Texas Department of Insurance found here. Visitors are able to find a variety of consumer forms, report car insurance fraud, learn about insurance regulations, and read industry bulletins.

Shop smart and save

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. In many instances, an insured cut full coverage only to discover later that it was a big mistake. Your strategy should be to buy enough coverage for the lowest price while still protecting your assets.

The cheapest car insurance can be purchased both online and with local Amarillo insurance agents, and you need to comparison shop both to get a complete price analysis. Some car insurance companies do not offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.