When pricing auto insurance in Eagle Pass, Texas, picking a good Texas car insurance agent is harder than just picking up the phone. For the sake of this article, we’ll assume you’re wanting a highly trained agent, but you also want to find the best rates possible.
With companies like American Family, Allstate, State Farm and Farmers having local Eagle Pass offices, it’s difficult to determine which one will have the cheapest rates and the best coverage. Thankfully, you can use online quoting in order to build a list of insurance agencies and price estimates.
Local Eagle Pass auto insurance agents
Good agents are trained to spot inefficiencies and help in the event of a claim. The biggest benefit of getting online price quotes is you may find the best rates and still choose a local agent. And supporting small agencies is definitely important in Eagle Pass.
By using this short form, the quote information is instantly submitted to participating agents in Eagle Pass who will battle for your insurance coverage. There is no reason to leave your house due to the fact that quote results will go immediately to your email address. How’s that for easy!
Is a captive or independent insurance agency right for you?
When researching a good Eagle Pass insurance agent, you need to know there are two different agency structures that differ in how they can insure your vehicles. Insurance agencies in Eagle Pass are classified as either independent (non-captive) or captive. While both can insure your vehicles, but it’s good to learn the differences since it may influence the type of agent you choose
Independent Insurance Agents
These agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency.
When comparison shopping, we recommend you include price quotes from multiple independent agents for the best price selection.
Listed below are Eagle Pass independent insurance agencies that are able to give price quotes.
Amco Auto Insurance – 2187 E Garrison St – Eagle Pass, TX 78852 – (830) 773-8332
Jose M De Luna Insurance – 2279 Loop 431 # A – Eagle Pass, TX 78852 – (830) 773-0620
Captive Insurance Agents
Captive insurance agents are contracted to one company and some examples include Farmers Insurance or State Farm. They are unable to provide prices from multiple companies so it’s a take it or leave it situation. Captive agencies are very knowledgeable in insurance sales which helps them compete with independent agents.
Listed below is a short list of captive agencies in Eagle Pass that are able to give rate quotes.
State Farm Insurance – 1320 E Garrison St – Eagle Pass, TX 78852 – (830) 773-9588
Farmers Insurance Group – 1000 Crownridge – Eagle Pass, TX 78852 – (830) 752-4120
For a complete listing of captive agencies in Eagle Pass, visit this site.
Choosing a car insurance agent needs to be determined by more than just the bottom line cost. Some important questions to ask are:
- Who is covered by the car insurance policy?
- How long has their agency been in business in Eagle Pass?
- Do they make recommendations based only on price?
- How many years of experience in personal lines insurance coverages do they have?
- Is vehicle damage repaired with OEM or aftermarket parts?
After getting acceptable answers to any questions you have and a low price estimate, you’ve probably found an auto insurance agent that can insure your vehicles.
Buying car insurance direct is an option
Professional insurance agents are a valuable resource, but you can also buy Texas car insurance from companies direct over the internet. Even companies who sell through agents in Eagle Pass additionally provide the ability to buy online, so that should be considered if you don’t want to take the time to contact agents.
If you’re worried about not having professional advice when buying direct, this is normal but is quickly overcome. Online car insurance companies all provide contact methods to help you decide which coverages are appropriate. They also make available live chat and online tools you can access prior to buying.
Is car insurance cheaper online? The answer to that question is complicated since there are so many factors that influence the price you pay. It’s often assumed that purchasing direct online saves money by not requiring a commission. For the majority of companies, however, there are very high advertising costs so this can offset any savings.
Find out more about auto insurance
Additional auto insurance information is located on the website for the Texas Department of Insurance. Click here for link. Texas drivers can find out which companies have the most complaints, read industry bulletins, and report car insurance fraud.
Additional helpful sites include NAIC.org’s Understanding your Policy and this resource to find Eagle Pass, TX insurance agents.
More effort can pay off
Drivers leave their current company for many reasons like unfair underwriting practices, denial of a claim, delays in responding to claim requests or even being labeled a high risk driver. It doesn’t matter what your reason, finding a new company is actually quite simple.
Cost effective auto insurance is attainable online as well as from independent agents in Eagle Pass, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.