If you’re looking for an insurance agent in Lubbock, TX, you can start your search online instead of calling around. You require a professional agent, but also the lowest rates in Lubbock.
Numerous insurance agencies battle for your hard-earned dollar, and it can be difficult to compare rates to find the cheapest price
Price shop online but buy from a local Lubbock agent
Professional agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of comparing rates online is you can get better rates and still have an agent to talk to.
After completing this quick form, your insurance coverage information is instantly submitted to insurance agents in Lubbock who will return price quotes for your coverage. There is no reason to leave your computer as quotes are delivered to the email address you provide. How’s that for easy! You can find better rates AND an agent nearby.
Selecting a car insurance agent requires more thought than just a low price. Agents should be asked these questions:
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- How long has their agency been open in Lubbock?
- Are there any discounts that you might be missing?
- Do the coverages you’re quoting properly cover your vehicle?
The type of car insurance agent you choose is important
When finding an insurance agent, there are a couple of types of insurance agents that you can select. Agents are categorized either independent (non-captive) or captive.
Captive Insurance Agents
Captive agents can only place business with one company such as Farmers Insurance or State Farm. These agents are unable to place coverage with different providers so they have no alternatives for high prices. These agents are trained well on the products they sell and that can be a competitive advantage. Some consumers prefer to buy from captive agents mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.
Listed below is a list of captive agents in Lubbock who may provide you with price quotes.
- Southern Farm Bureau – 5601 Avenue Q South Dr – Lubbock, TX 79412 – (806) 747-1639
- Farmers Insurance Group – 4918 66th St – Lubbock, TX 79414 – (806) 796-2300
- Allstate Insurance – 4620 50th St # A4 – Lubbock, TX 79414 – (806) 797-2607
- State Farm Insurance – 5717 Slide Rd # A – Lubbock, TX 79414 – (806) 795-4344
Independent Insurance Agents
Independent agencies do not work for one specific company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency.
When searching for an agent, it’s recommended you include at a minimum one independent agency to have the most options to choose from. They also have the ability to place coverage with smaller regional carriers which may provide better rates.
Listed below is a list of independent agents in Lubbock who can help you get price quotes.
- John P Cervantez Insurance – 1904 E Auburn St – Lubbock, TX 79403 – (806) 744-1654
- Cia Insurance Agency and Assoc – 1220 Broadway St – Lubbock, TX 79401 – (806) 762-1205
- Insurance Consultants Agency – 508 N Granby Ave – Lubbock, TX 79416 – (806) 797-3152
- Texas General Agency Inc – 5722 37th St – Lubbock, TX 79407 – (806) 785-2337
- Metropolitan Insurance – 5121 69th St # B713 – Lubbock, TX 79424 – (806) 794-9900
For a complete listing of insurance agents in Lubbock, visit this site.
Upon receiving positive feedback to any questions you have in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that meets your needs to provide auto insurance coverage.
Online car insurance providers
Car insurance agents are important to many people, but Texas car insurance can also be bought from online companies direct. Certain companies like Allstate and State Farm who employ agents also let you buy online. This is something to consider if you prefer not to work with an agent.
If you’re uneasy about having to choose coverages yourself, that shouldn’t be an issue. Online car insurance companies that allow you to purchase coverage all have toll-free customer service you can use to get advice on coverages.
Is pricing better online? Many people think so, but it’s hard to say for sure because there are many factors that impact your final bill. It’s a common assumption that a customer who purchases direcly from an online company cuts out the middleman. But that assumption is generally incorrect because marketing expenses are significant so this can offset any savings.
More tips and info about auto insurance is available at the Texas Department of Insurance website. Texas consumers can download brochures, read consumer alerts, find out industry alerts, and report car insurance fraud.
Summing up your auto insurance search
Insureds leave their current company for a number of reasons such as extreme rates for teen drivers, denial of a claim, an unsatisfactory settlement offer or delays in responding to claim requests. No matter why you want to switch, finding a great new company is not as hard as you think.
Cheaper auto insurance can be sourced both online in addition to many Lubbock insurance agents, so you should be comparing quotes from both to have the best rate selection. A few companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.