To locate a good insurance agent in Brownsville, Texas, we recommend you start your research by comparing rates online rather than picking up the phone. It’s likely you require not only a good agent, but also the lowest possible price.
With companies like Allstate, Farmers and State Farm as well as independent agents having offices in Brownsville, it’s difficult to determine which will have the cheapest rates and the best coverage. Thankfully, consumers can get online quoting to get a list of agencies to choose from.
Online quotes with a local Brownsville insurance agent
Agents are trained to spot inefficiencies and give you someone to call. The best thing about price shopping on the web is you can get better rates but still work with a licensed agent. Supporting local agencies is especially important in Brownsville.
Once you complete this form (opens in new window), your insurance coverage information is emailed to insurance agents in Brownsville who will compete for your coverage. You don’t have to drive around since price quotes are sent to your email. Now that’s easy!
What types of insurance agents are in Brownsville?
When finding a reliable agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Agents are classified as either captive or independent. While both can properly insure your vehicles, but it’s important to know the differences because it can influence buying decisions.
Independent Agents
These agents are not required to write business for one company but instead can place your coverage with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent. When shopping rates, it’s a good idea to get quotes from multiple independent agents to get the best comparison.
The following is a list of independent insurance agents in Brownsville that are able to give price quote information.
Kay Conly Agency – 2401 Boca Chica Blvd – Brownsville, TX 78521 – (956) 542-0222
Ruben Garcia Agency – 434 Paredes Line Rd # B – Brownsville, TX 78521 – (956) 544-2464
Graham Insurance – 2728 Boca Chica Blvd – Brownsville, TX 78521 – (956) 542-2057
Alford Insurance – 147 E Price Rd – Brownsville, TX 78521 – (956) 542-7415
Spencer Gaille Agency – 1140 Paredes Line Rd – Brownsville, TX 78521 – (956) 541-4848
Agency Captives
Captive insurance agents are contracted to one company such as American Family, State Farm and Allstate. They are unable to shop your coverage around so they have to upsell other benefits. Captives are trained well on their company’s products and that can be a competitive advantage.
Below are Brownsville captive agencies who can help you get price quote information.
Allstate Insurance – 133 E Price Rd – Brownsville, TX 78521 – (956) 541-0991
Farmers Insurance Group – 1514 E Los Ebanos Blvd – Brownsville, TX 78520 – (956) 541-7033
To view a complete directory of captive agencies in Brownsville, view this link.
Selecting an insurance agent requires more thought than just the bottom line cost. These are valid questions to ask:
- Which company do they place the most coverage with?
- If your car is totalled, how to they determine the replacement cost?
- Do the companies they represent have a solid financial rating?
- How long has their agency been open in Brownsville?
- Are you getting all the discounts the company offers?
After receiving good answers to these questions and a good coverage price, it’s possible that you found an auto insurance agent that is a good match to service your policy.
You have the option to buy car insurance direct online
Auto insurance agents can be invaluable at times, but you also have the option of buying Texas car insurance direct from companies online. Certain companies, such as Farmers Insurance and State Farm, who sell through agents in Brownsville also give you the ability to buy direct on their websites, so keep that in mind.
If you’re worried about not having an agent to talk to when shopping online, don’t be too concerned. Car insurance companies that allow you to purchase coverage all have toll-free customer service for getting the best coverage. They also offer online education and live help anytime to clarify any questions you may have.
Is online auto insurance cheaper? It’s hard to say exactly because there are many components which can adversely affect your policy premium. It’s often assumed that a customer who purchases direcly from an online company prevents the agent from taking a cut. For most companies selling online, however, the cost of constant advertising is expensive and that can quickly cost more than paying an agent.
The only method to determine whether online companies or local agents have lower rates is getting rates for as many of both types of providers as possible. It’s possible to get different rates from the same insurance company when using both online and agent quotes. It’s difficult to tell if the lower rates are from agents or online unless you actually compare identical quotes from both ways.
Quote more, save more
While you’re price shopping online, do not skimp on coverage in order to save money. In many instances, drivers have reduced full coverage to discover at claim time that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at an affordable rate while still protecting your assets.
Insureds who switch companies do it for many reasons like high prices, poor customer service, extreme rates for teen drivers and even policy non-renewal. Regardless of your reason, switching car insurance companies is pretty easy and you might even save some money in the process.
More information can be read on the website for the Texas Department of Insurance located here. Visitors are able to learn about insurance regulations, view a list of available companies, and find out which companies have the most complaints.