To locate a good insurance agent in Del Rio, TX, you can always start your research for an agent online to save time. Consumers need a good agent, but also the cheapest rates you can possibly find.
Lots of insurance agencies contend for your business, and because of this it can be hard to compare insurance agencies to find the absolute lowest price
Shop online but buy locally
Good agents can point out coverage gaps and help file insurance claims. The biggest benefit of comparing insurance prices online is that you can obtain better rates and still have an agent to talk to.
Upon completion of this form (opens in new window), your insurance data is transmitted to participating agents in Del Rio who will give you bids for your insurance coverage. There is no need to drive around as quotes are delivered immediately to your email address. Now that’s easy! You can find the lowest rates and work with a local agent.
Choosing an auto insurance agent requires more thought than just the premium amount. Any agent should have no problem answering these questions:
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How much can you save by raising your physical damage deductibles?
- How many years of experience in personal lines insurance coverages do they have?
- Is the agency involved in supporting local community causes?
- Do they assist clients in filing claims?
- Is assistance available after office hours?
- If you have an accident, will your rates go up?
- If you are a high risk driver, do they have special markets for your coverage?
Two types of Del Rio auto insurance agents
When finding an insurance agent, you must know there are a couple types of insurance agents to choose from. Agents are categorized either independent (non-captive) or captive.
Agency Captives
Captive agencies work for only one company like American Family, Liberty Mutual and AAA. These agents are unable to shop your coverage around so it’s a take it or leave it situation. Captives are well schooled in insurance sales which helps them sell insurance even at higher premiums. Some consumers prefer to buy insurance from these agents partially due to the brand legacy and strong financial ratings.
Shown below is a list of captive insurance agencies in Del Rio that are able to give price quote information.
- Farmers Insurance Group – 226 E Broadway St – Del Rio, TX 78840 – (830) 774-4720
- Farm Bureau Insurance – 1700 N Bedell Ave – Del Rio, TX 78840 – (830) 774-7715
- Allstate Insurance – 2008 Avenue F – Del Rio, TX 78840 – (830) 775-5919
Independent Agents (or Brokers)
Independent agencies are not employed by any specific company so they have the ability to put coverage with lots of companies enabling the ability to shop coverage around. If you are not satisfied with one company, an independent agent can move your coverage without you having to go to a different agency.
When shopping rates, we recommend you contact at a minimum one independent agency to get the best comparison. They also have the ability to place coverage with lesser-known insurance companies which may provide better rates.
Listed below are independent agents in Del Rio that are able to give rate quotes.
- Raul Benavides Jr Insurance – 510 E 6th St – Del Rio, TX 78840 – (830) 876-3591
- Nelson Agency – 525 S Main St # 309a – Del Rio, TX 78840 – (830) 774-3141
- Spinks Insurance – 1918 Veterans Blvd # B – Del Rio, TX 78840 – (830) 774-4641
To view a full list of licensed insurance agents in Del Rio, please click here.
Once you have positive responses for all questions you ask and a low price estimate, you have narrowed it down to an insurance agency that will adequately provide auto insurance.
Online companies should also be compared
Local insurance agents are important to many people, but you also have the option of buying from online companies direct. Some specific companies who have local agents in Del Rio also give you the ability to get quotes and purchase online, so this should also be taken into consideration.
If you’re apprehensive about not having someone to ask questions when buying car insurance direct, this is expected but don’t let that bother you. Online insurance companies have toll-free phone numbers and other options to help you decide which coverages are appropriate.
If you’re not set on any one company, the best way to find out if prices are better online or from an agent is to get price quotes for both. Even though it sounds odd, people frequently get different pricing when quoting both agents prices and online prices for the identical company. You won’t know which way will be cheaper unless free rate quotes are compared each way.
Is pricing better online? The answer to that question is complicated since there are so many factors that influence how your policy is priced. It’s logical to say that shopping online for auto insurance saves the cost of an agent commission. But in reality, it’s expensive to advertise and those expenses can offset most of the savings by selling direct.
More detailed Texas auto insurance information is located at the Texas Department of Insurance website. Texas consumers can download brochures, learn about insurance regulations, find out industry alerts, and read state legal mandates and laws.
Additional helpful sites include III.org’s auto insurance page and this list of insurance agents in Del Rio, TX.
More quotes mean more savings
Consumers who switch companies do it for any number of reasons including policy non-renewal, an unsatisfactory settlement offer, extreme rates for teen drivers or even delays in paying claims. Whatever your reason, finding a new company is less work than it seems.
As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, someone sacrificed liability coverage limits only to regret they didn’t have enough coverage. Your strategy should be to get the best coverage possible at an affordable rate.