To find a good Palmview agent, you can always do the preliminary legwork by getting online comparison quotes rather than picking up the phone. It’s assumed you’re wanting a highly trained agent, but you also need the best rates possible.
With insurance companies like American Family, Allstate, State Farm and Farmers all competing for business in Palmview, it can be hard to know which one will give you the best service and rates. To begin, consumers can use online quotes in order to build a list of insurance agents and price estimates.
Your insurance agent down the street
Licensed agents can answer important questions and help submit paperwork. The best thing about comparing insurance prices online is you may find lower rates and still choose a local agent. Supporting local agencies is definitely important in Palmview.
After completing this form (opens in new window), the quote information is emailed to agents in your area who will battle to get your business. There is no need to visit any agencies as quotes are delivered directly to your email. It doesn’t get any easier! Get lower rates AND an agent nearby.
Is a captive or independent insurance agent right for you?
When searching for a local agent, you need to know there are two different types of agents that you can select. Agencies in Palmview can either be captive or independent.
Independent Agents
Independent agents are not locked into one company so they can insure your vehicles with many different companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part.
When comparison shopping, it’s a good idea to include several independent insurance agents to ensure the widest selection of prices.
The following is a short list of independent insurance agents in Palmview that can give you comparison quotes.
Chico’s Insurance Svc – 1101 E Veterans Blvd – Palmview, TX 78572 – (956) 519-8755
Morales Insurance Svc – 515 N Fm 492 # 2 – Palmview, TX 78574 – (956) 585-5252
Agency Captives
Captive agencies work for only one company like American Family, State Farm and Allstate. They generally cannot place coverage with different providers so they have to upsell other benefits. Captive agencies are trained well on their company’s products which can be an advantage.
Selecting a car insurance agent shouldn’t rely on just a low price. These questions are important to ask:
- Did they already check your driving record and credit reports?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Are they full-time agents?
- If you have an accident, will your rates go up?
Once you have acceptable answers to your questions and a low price estimate, chances are good that you have found a car insurance agent that will insure your vehicles.
Can you buy online and save?
Licensed agents are important, but Texas drivers can also buy from online companies direct. Some car insurance companies that sell primarily through agents also give you the ability to quote and buy online, so that should be considered.
If you’re concerned about not having an insurance agent’s advice when buying direct, that is quite common when buying online the first time. Online insurance companies all have toll-free customer service to walk you through the process. Consumers also can use live chat and online tools to make it easier to purchase.
Do customers save by switching to an online company? The answer to that question is complicated since there are so many factors that influence the price you pay. It’s often assumed that a consumer who buys direct prevents the agent from taking a cut. But the reality is there are high advertising and marketing costs so there may not be significant savings.
The only method to determine if the cheapest policy comes from an agent or online is to get price quotes for both. You can actually get different rates from online quotes as they do from local agents from exactly the same company. It’s just impossible to know whether the best rates are online or from an agent until after comparing identical coverage quotes utilizing both methods.
For more information
Additional car insurance information can be read on the website for the Texas Department of Insurance located here. Visitors are able to read enforcement actions against agents and companies, file complaints about a company, file complaints about an insurance agent or broker, and discover disciplinary actions.
Affordable insurance is out there
People leave their current company for many reasons like extreme rates for teen drivers, an unsatisfactory settlement offer, policy cancellation or even high rates after DUI convictions. It doesn’t matter what your reason, finding a great new company is actually quite simple.
When you buy insurance online, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where an insured dropped liability limits or collision coverage only to regret at claim time that it was a big mistake. The aim is to buy enough coverage at an affordable rate.