When searching for a good Socorro agent, you can always do an initial search for an agent online instead of making phone calls. There is a good chance you require not only a competent insurance agent, but you also want to find great rates as well.
With State Farm, Allstate and Farmers Insurance all competing for business in Socorro, it’s difficult to determine which provider will give you the cheapest rates and the best coverage. To begin, consumers can get online quotes to build a list of insurance agents and thier coverage prices.
Online quotes help locate Socorro agents
Insurance agents can help determine the best coverages and help file insurance claims. The biggest benefit of getting online price quotes is the fact that you can find better rates but also keep your business local. And providing support for local insurance agencies is important particularly in Socorro.
After completing this short form, the quote information is emailed to local insurance agents in Socorro who will return price quotes to get your business. There is no reason to leave your computer because quoted prices will be sent directly to your email. It doesn’t get any easier! You’ll get the best rates AND a local agent.
Types of insurance agents
If you’re trying to find an insurance agent, you need to know there are two types of insurance agents from which to choose. Agents are either captive or independent.
Independent Agents (or Brokers)
Independent agencies are not employed by any specific company but instead can place your coverage amongst many companies and potentially find a lower price. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part.
When shopping rates, it’s a good idea to get quotes from multiple independent agents for maximum quote selection.
Below is a list of independent insurance agents in Socorro that are able to give competitive price quotes.
Fred Loya Insurance – 10750 North Loop Dr # A4 – Socorro, TX 79927 – (915) 858-7000
Quality Insurance – 120 Horizon Blvd – Socorro, TX 79927 – (915) 858-6262
Captive Insurance Agents
Captive agents have only one company to place business with and examples are Allstate, AAA, Liberty Mutual and State Farm. These agents are not able to compare other company’s rates so keep that in mind. These agents are well schooled on their company’s products which helps them sell insurance even at higher premiums.
Below is a list of captive agencies in Socorro that can give you rate quotes.
State Farm Insurance – 10610 N Loop Dr – Socorro, TX 79927 – (915) 790-2592
For a full directory of captive agencies in Socorro, go to this page.
Picking an auto insurance agent requires more thought than just the price. Any agent should be forthright in answering these questions:
- Will their companies depreciate repairs to your car based on the mileage?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Do they regularly work with personal auto policies?
- If they are an independent agency, which companies do they recommend?
- Can they give you a list of client referrals?
- How are they compensated?
- Do they feel the quoted coverages are adequate?
Once you have received positive feedback to these questions and an acceptable price quote, you may have just found an auto insurance agent that meets your needs to insure your vehicles.
What if I want to shop online?
Insurance agents are a valuable resource, but you also have the option of buying direct from companies online. Some specific companies like State Farm and Allstate who sell through the agent channel also allow you to quote and buy online, and consumers should do that if you’re trying to lower your rates.
If you’re apprehensive about not having professional advice when shopping online, don’t let it bother you. All companies give you access to trained agents you can use to get advice on coverages.
Do people save by buying online? That is a tough question to answer since there may be dozens of rate factors that are calculated into your premium. Common logic is that buying directly from the company prevents the agent from taking a cut. But that assumption is generally incorrect because there are high advertising and marketing costs so the rates may be similar to buying from an agent.
The only method to determine who has the best rates, online companies or local insurance agents, is making fair comparisons of each of their rates. It’s fairly common that you receive different coverage costs when using both online and agent quotes from the SAME company. It’s not possible to know which way will be cheaper unless free rate quotes are compared using both methods.
To learn even more about car insurance
Much more information about car insurance in Texas is located on the website for the Texas Department of Insurance located here. Texas drivers can file complaints about an insurance agent or broker, view a list of available companies, and download brochures.
Compare but don’t skimp
Insureds who switch companies do it for a variety of reasons including unfair underwriting practices, high prices, being labeled a high risk driver or delays in paying claims. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.
While you’re price shopping online, do not buy poor coverage just to save money. There have been many cases where consumers will sacrifice liability coverage limits to discover at claim time that it was a big error on their part. Your focus should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.