Auto & Home Insurance AUTO & HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Business Insurance BUSINESS & COMMERCIAL

Insurance protects you against loss if you have an accident.

Read More
Mobile Home & RV Insurance MOBILE HOME & RV

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Motorcycle Insurance MOTORCYCLE

Browse a variety of insurance options in order to find the right one for you.

Read More
Boat Insurance BOAT

Learn about different coverage options that fit your specific needs.

Read More
Life Insurance LIFE

Finding insurance doesn't have to be difficult. We do the work for you.

Read More

Once again today, the "middle man" (Lone Star Insurance Agency) was able to save a new client 23% off the annual cost of their auto insurance policy.  The crazy (but not uncommon) thing is that we wrote their policy with the exact same coverages AND exact same COMPANY as they were previously with.  The only difference was that the client had previously purchased their policy DIRECTLY from that company.

How can that be some of you may ask?  Well, one little secret that some insurance companies may not want you to know is that they use different rating plans when selling policies direct versus when they offer them through a local agent.  When a company sells a policy direct and they have to have their own employees assist that client with quoting, issuing and service on a policy, that company has a huge expense to do so.  They have to pay an employee, provide benefits, provide vacation, provide an office, provide a computer, provide a phone, and on and on.  On the other hand, when an insurance company allows an agent/agency to do all of that work the company is only paying the agency a small fixed commission.

Over the past several years consumers have to "trained" by advertising to cut out the middle man and it will save them money.  Well, don't believe everything you hear.  Not only can the middle man often times save you money, the middle man has your best interest at heart.  When you buy a policy direct, you have nobody "on your team" so to speak, when something happens.  Often times when you need help the most you are on your own with no one to guide you other than people who work for the insurance company.  Furthermore, you often get stuck calling some overseas call center and talking with someone you don't know and will never meet.  On the other hand, when you have Lone Star Insurance Agency, you have a local agency where you can stop by and visit us in person if you have a problem.  We live where you do, we work where you do, we spend our money locally, our kids & grandchildren attend local schools and we worship locally. 

So, if you purchased your policy directly from an insurance company and didn't go through a local INDEPENDENT agency then it might pay to check us out.  Oh, by the way....we are an Endorsed Local Provider for Dave Ramsey.  If you don't know who he is look him up at

Posted 11:39 PM

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011
  • 2010

View Mobile Version
© Copyright. All rights reserved.
Powered by Insurance Website Builder