To find a good insurance agent in Corpus Christi, TX, you can always do the preliminary legwork on the internet instead of making phone calls. You require a great agent that can assess your needs, but also need cheaper auto insurance prices.
Because there are so many companies to choose from, it can be challenging to pick the lowest price provider.
Shop online but buy locally
Licensed agents can help determine the best coverages and help you file claims. One of the best bonuses of getting online price quotes is you may find the best rates but still work with a licensed agent.
After filling out this simple form, your insurance coverage information gets sent to local insurance agents in Corpus Christi who will return price quotes to get your business. There is no need to leave your house since price quotes are sent to your email. How’s that for easy!
Choosing an auto insurance agent needs to be determined by more than just the price. Ask your prospective agent these questions:
- Are they properly licensed to sell insurance in Texas?
- Is working in the agency their full-time job?
- Does the agency provide any after hours assistance?
- Which members of your family are coverage by the policy?
- How many years of experience in personal lines insurance coverages do they have?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they carry Errors and Omissions coverage?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
Types of auto insurance agents in Corpus Christi
When looking for a reputable insurance agent or broker, you need to know there are two different agency structures from which to choose. Agencies in Corpus Christi are either independent (non-captive) or captive. Either one can do a good job, but it’s important to know how they are different since it may influence buying decisions.
Captive Agents
Captive agents can only place business with one company and some examples include State Farm or Allstate. They generally cannot provide prices from multiple companies so it’s a take it or leave it situation. Captive agencies are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers frequently purchase coverage from captives primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.
Listed below are Corpus Christi captive insurance agencies that are able to give price quote information.
- Farm Bureau Insurance – 4925 Everhart Rd # 103 – Corpus Christi, TX 78411 – (361) 852-6016
- State Farm Insurance – 4449 S Alameda St – Corpus Christi, TX 78412 – (361) 992-9292
- Allstate Insurance – 6313 Wooldridge Rd # 6 – Corpus Christi, TX 78414 – (361) 986-0914
- Farmers Insurance Group – 4659 Everhart Rd – Corpus Christi, TX 78411 – (361) 855-3750
Independent Agents (or Brokers)
These agents do not work for one specific company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part.
When comparing rates, we recommend you include price quotes from several independent insurance agents to ensure the widest selection of prices.Most can insure with smaller regional carriers which may provide better rates.
Shown below is a list of independent insurance agents in Corpus Christi who can help you get price quotes.
- Escobar Insurance – 5602 Weber Rd – Corpus Christi, TX 78411 – (361) 853-0207
- Right Way Insurance – 2001 S Staples St # 102 – Corpus Christi, TX 78404 – (361) 883-7670
- Luddeke Agency – 4444 Corona Dr # 101 – Corpus Christi, TX 78411 – (361) 853-0192
- Wayne Campbell Jr Agency Inc – 4250 Five Points Rd – Corpus Christi, TX 78410 – (361) 241-8777
- Summit Agency – 7402 Lake Monticello Ct – Corpus Christi, TX 78413 – (361) 906-1888
To view a complete directory of Corpus Christi insurance agents, please click here.
Once you have received reasonable responses to all your questions as well as a affordable price, it’s possible that you found an insurance agency that will properly service your auto insurance policy.
Buying car insurance direct is an option
Insurance agencies are indespensible for some people, but Texas car insurance can also be bought from online companies direct. Certain companies, such as Farmers Insurance and State Farm, who sell through agents in Corpus Christi also give you the ability to buy a policy online, so keep that in mind if you prefer to buy online.
If you’re concerned about whether or not you’ll have guidance, don’t sweat it. Companies that allow you to purchase coverage provide options for getting questions answered. Most companies also provide extensive coverage information and 24/7 assistance that you can use if you have questions.
Does buying online save money? Many people think so, but it’s hard to say for sure since there are so many factors that are calculated into your premium. Common sense would say that purchasing direct online saves money because there is no agent involvement. But in most cases, there are high advertising and marketing costs and that can quickly cost more than paying an agent.
Additional resources for Texas consumers
More detailed Texas auto insurance information is located at the Texas Department of Insurance website. Texas drivers can find disaster information, discover disciplinary actions, file complaints about a company, and view a list of available companies.
Compare but don’t skimp
Discount auto insurance is definitely available on the web and with local Corpus Christi insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.
When trying to cut insurance costs, do not sacrifice coverage to reduce premiums. There are many occasions where an insured dropped physical damage coverage only to find out that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at an affordable rate while still protecting your assets.