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Best Local Car Insurance Agencies in Waco

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Baker and Carey Insurance Agency logo
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License Verified:

License: 1191443

State of New Jersey Banking and Insurance

Baker and Carey Insurance Agency

3529 Bosque Boulevard, Waco, TX 76706
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  • RV & Motorhome
  • Boats
  • Home Insurance
  • Boat Insurance

Business Description

Baker and Carey Insurance Agency is a multi-line independent insurance firm based in Waco. Serving individuals, families, and businesses, it has professional agents who have the experience to design auto insurance policies based on vehicle owners’ needs to protect them against serious financial loss in the event of an automotive emergency. Baker and Carey Insurance agency is an authorized agent of Progressive. The company also offers insurance products for other vehicles, including motorcycles, RVs, and boats.

License Verified:

License: 1191443

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (36)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Brazos Valley Insurance Agency logo
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License Verified:

License: 1059767

Texas Department Of Insurance

Brazos Valley Insurance Agency

7111 Bosque Boulevard, Waco, TX 76710
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  • Bundling Option

Business Description

Brazos Valley Insurance Agency is a third-generation family-owned and operated independent insurance company in Waco that traces its history back to 1928. Today, it helps the people of Texas secure a variety of insurance products, including car insurance. The state laws require drivers to carry at least liability coverage for bodily injury and property damage, although clients may request the associates of Brazos Valley Insurance Agency to include additional protection in their insurance plan.

License Verified:

License: 1059767

Texas Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Budget Insurance USA logo
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License Verified:

License: 2197455

State of New Jersey Banking and Insurance

Budget Insurance USA

2625 West Waco Drive, Waco, TX 76707
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  • Home & Auto Insurance

Business Description

Budget Insurance USA is an independent insurance provider that addresses the different needs of the people of Waco. It employs professional associates who can help drivers of different backgrounds obtain car insurance policies that will fit their individual needs, risks, and preferences, while keeping them covered on the road. Additionally, they offer assistance for SR22 filing, notary services, and tax preparation. Budget Insurance USA also offers other insurance products, such as motorcycle, homeowners, renters, and commercial insurance.

License Verified:

License: 2197455

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (159)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
David Coufal Insurance Agency logo
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License Verified:

License: 1260110

Texas Department Of Insurance

David Coufal Insurance Agency

12270 Moffat Road, Temple, TX 76502
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  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Business Description

For more than a century, David Coufal Insurance Agency has been addressing the car insurance needs of residents and businesses in Waco. Founded in 1914, the independent insurance firm assists customers in protecting their vehicles against disasters with a car insurance policy. Its agents serve standard drivers like mature motorists, as well as non-standard car owners like younger drivers and SR-22 drivers. They affiliate with several insurance carriers to create a customized policy akin to their clients' needs. They also provide insurance for classic cars and recreational vehicles.

License Verified:

License: 1260110

Texas Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Donald Rowan Insurance Agency logo
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License Verified:

License: 1018734

State of New Jersey Banking and Insurance

Donald Rowan Insurance Agency

537 North Valley Mills Drive, Waco, TX 76710
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  • RV & Motorhome
  • Boats

Business Description

Donald Rowan Insurance Agency is an independent insurance firm that answers the car insurance needs of drivers in Waco. The company’s owner, Donald Rowan, has more than 33 years of experience in the insurance industry. Working with several reputable carriers, he helps drivers of different backgrounds obtain car insurance policies that will fit their specific needs, priorities, and requirements. In addition to standard auto, he can also help insure various recreational vehicles, such as motorcycles, ATVs, Campers, and boats.

License Verified:

License: 1018734

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Herman Bell Insurance Agency logo
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License Verified:

License: 780618

State of New Jersey Banking and Insurance

Herman Bell Insurance Agency

2118 La Salle Avenue, Waco, TX 76706
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  • Bundling Option
  • Home & Auto Insurance

Business Description

Herman Bell Insurance Agency is an independent insurance firm answering the coverage needs of individuals, families, and businesses in Waco. Offering car insurance, its professional and experienced associates connect with several reputable and financially sound carriers to source a selection of quotes that drivers can choose from based on their personal needs and requirements. They help clients understand what their policy will cover in the event of an automotive emergency. Herman Bell Insurance Agency also insures motorcycles, RVs, and boats.

License Verified:

License: 780618

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
4.0 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
McGriff Insurance Services logo
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McGriff Insurance Services

6801 Sanger Avenue, Waco, TX 76710
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  • RV & Motorhome
  • Motorcyle & ATV
  • Golf Cart & Scooter
  • Boat Insurance

Business Description

McGriff Insurance Services is a local car insurance agency that serves residents of Waco and its surrounding areas. The agency provides various coverages to protect drivers of cars, motorcycles, boats, ATVs, and RVs in case of accidents. These coverages include comprehensive, liability, collision, medical, roadside assistance, and underinsured or uninsured motorist. Aside from vehicle insurance, the company also offers other personal insurance for homes, pets, and health. The company has been providing its services since 1886.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.6 / 5 (79)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Nichole Guajardo logo
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License Verified:

License: 1949001

Texas Department Of Insurance

Nichole Guajardo

2810 Oakdale Drive, Temple, TX 76502
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  • Bundling Option

Business Description

Nichole Guajardo is a State Farm insurance agent, serving clients in and around Waco. She provides different auto insurance policies to cover weather and accident damage. Nichole meets with clients either in-person or through messaging to assess their driving history and risks. She can provide comprehensive plans for general risks, including animal collisions. She also has specialized coverage for specific dangers like underinsured drivers or medical injuries from accidents. Nichole caters to clients that speak Spanish and Portuguese.

License Verified:

License: 1949001

Texas Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (68)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Pinnacle Insurance Group, Inc. - Main Office logo
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License Verified:

License: 16064

State of New Jersey Banking and Insurance

Pinnacle Insurance Group, Inc. - Main Office

112 Sharron Drive, Waco, TX 76712
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  • RV & Motorhome
  • Boats

Business Description

Pinnacle Insurance Group, Inc., is a Waco-based business that offers personal and commercial lines of protection that include car insurance. Collision, comprehensive, liability, rental reimbursement, and roadside assistance are some of the coverages it offers. Its team of agents can also bundle auto and home insurance in one plan. They have access to policies from numerous providers, including Chubb, Zurich, and MetLife. Pinnacle Insurance Group's risk management professionals have more than 50 years of collective industry experience.

License Verified:

License: 16064

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Ross Insurance Agency logo
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License Verified:

License: 2258746

State of New Jersey Banking and Insurance

Ross Insurance Agency

213 Old Hewitt Road, Waco, TX 76712
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  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

The Waco-based Ross Insurance Agency has provided insurance-related services to Central Texan clients for over fifteen years. It offers auto insurance solutions, which cover auto liability for vehicular and property damage, auto collisions, theft, and medical expenses for personal injuries. In addition, the company can insure vehicles such as boats/watercraft, classic cars, motorcycles, and RVs. Its services also cover commercial establishments, homes, flood-damaged properties, life insurance policies, renters, and umbrellas. Carriers include Chubb, GuideOne, Liberty Mutual, and Safeco.

License Verified:

License: 2258746

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Shivers & Associates Insurance logo
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Shivers & Associates Insurance

8283 Bosque Boulevard, Woodway, TX 76712
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  • Individual Plans
  • Life Insurance

Business Description

Shivers & Associates Insurance serves Waco and the surrounding communities. It offers auto insurance plans with options including comprehensive and collision coverage, property damage and personal injury protection, uninsured and underinsured motorist, and roadside assistance coverage. Home insurance solutions are also available for clients who wish to protect their homes and personal property with water seepage and leakage, water and sewer backup, identity theft, and foundation coverages. Shivers & Associates Insurance also offers umbrella plans for those who want additional coverage beyond what traditional policies can provide.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
The David Nix Agency logo
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License Verified:

License: 849979

Texas Department Of Insurance

The David Nix Agency

2526 Blue Meadow Drive, Temple, TX 76502
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  • Multiple Carriers

Business Description

The David Nix Agency is an insurance agency that proactively helps its clients address their needs in the Temple and Waco areas. Established in 1993, the agency's team of insurance professionals helps clients choose the most suitable auto insurance to meet the state requirement of liability coverage. Clients also have the option of getting collision, comprehensive, and uninsured motorist coverage. The David Nix Agency has a strong focus on integrity and honesty. Its president, David Nix, is a certified insurance counselor since 1991.

License Verified:

License: 849979

Texas Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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