Learn to Get the Lowest Auto Insurance Prices From Insurance Agents in Round Rock

When trying to find an insurance agent in Round Rock, TX, you can always start your research by comparing prices online in order to save time. You require a friendly agent, and also want to find the cheapest rates you can possibly find.

Because you have many companies and agents to choose from, it can be diffult for consumers to choose the cheapest provider.

Local Round Rock auto insurance agents

Educated insurance agents can point out coverage gaps and help file insurance claims. One of the great benefits of comparing rates online is that you can obtain better rates but still work with a licensed agent.

To find an agent, once you fill out this short form, your insurance coverage information is instantly submitted to participating agents in Round Rock who will compete for your business. There is no reason to leave your computer because quoted prices will be sent straight to your inbox. How’s that for easy! It’s the lowest rates AND a local agent.

Picking an insurance agency shouldn’t rely on just the price. Any agent should have no problem answering these questions:

  • Does the company allow you to choose your own collision repair facility?
  • How long have they worked with personal auto insurance coverage?
  • Will your rates increase after a single accident?
  • Are they properly licensed to sell insurance in Texas?
  • How often do they review policy coverages?

Two types of insurance agents

When looking for a good insurance agency, you must know there are a couple types of insurance agents from which to choose. Round Rock agents can either be independent or captive.

Captive Insurance Agents

This type of agents have only one company to place business with such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. They usually cannot provide prices from multiple companies so they have no alternatives for high prices. These agents are usually quite knowledgeable on their company’s products and that can be a competitive advantage.

Below is a short list of captive insurance agents in Round Rock who may provide you with price quotes.

Allstate Insurance – 2000 N Mays St # 117 – Round Rock, TX 78664 – (512) 828-3011
Liberty Mutual Insurance – 2000 S I H 35 # K2 – Round Rock, TX 78681 – (512) 244-3391
State Farm Insurance – 505 E Palm Valley Blvd # 230 – Round Rock, TX 78664 – (512) 671-3739

Independent Agencies or Brokers

Independent agents are not locked into one company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part. When comparing rates, you should always include multiple independent agents for maximum quote selection.

Below are Round Rock independent insurance agents that are able to give price quotes.

Hilton Jr Farmers Agency – 2801 Oakmont Dr # 1000 – Round Rock, TX 78664 – (512) 345-7599
David Morris Agency – 206 W Main Ave – Round Rock, TX 78664 – (512) 238-9355
Bill Muench Insurance – 1315 Sam Bass Cir # B2 – Round Rock, TX 78681 – (512) 388-4633
M D Clark Insurance – 5 Highland Ter – Round Rock, TX 78664 – (512) 836-2213

For a full directory of Round Rock insurance agents, simply jump to this page.

Upon receiving positive responses to any questions you have and a low price estimate, you have narrowed it down to an insurance agent that meets your needs to provide auto insurance coverage.

You have the option to buy car insurance direct online

Professional insurance agents can be invaluable at times, but Texas consumers also have the option to buy direct from companies that only sell online. Some car insurance companies, such as State Farm, Allstate and Farmers, who sell through agents in Round Rock also allow you to buy direct online, and that can save time if finding the best price is important.

If you’re anxious about selecting your own policy coverages, this really isn’t an issue. Insurance companies provide phone numbers and online resources for getting advice on proper coverages. They also have a frequently asked questions page so you can feel comfortable buying online.

Will auto insurance cost less online? It’s difficult to provide an answer since there are so many components that influence how your policy is priced. Common sense would say that buying online cuts out the agent as a middleman. But in most cases, online and traditional media advertising are expensive and that impacts the rates consumers pay.

best Round Rock TX insurance agency

When trying to find the best rates, the only way to determine if the cheapest policy comes from an agent or online is comparing prices for both of them. Even though it sounds odd, people frequently get different pricing from online quotes as they do from local agents for the identical company. But it’s difficult to know whether online or agents have the lower rates without quoting identical coverages from both.

More detailed Texas auto insurance information can be found at the Texas Department of Insurance website. Texas consumers can find disaster information, learn about insurance regulations, find out which companies have the most complaints, and download brochures.

One last thing

Drivers change insurance companies for many reasons like delays in paying claims, high prices, an unsatisfactory settlement offer or unfair underwriting practices. It doesn’t matter what your reason, switching auto insurance companies is actually quite simple.

As you go through the steps to switch your coverage, you should never skimp on critical coverages to save a buck or two. In many instances, an insured cut comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. The aim is to find the BEST coverage at the best price, not the least amount of coverage.