When finding a good insurance agent in San Marcos, Texas, you can always start your search by comparing rates online instead of making phone calls. For the sake of this article, we’ll assume you want a great agent that can assess your needs, but also the best rates possible.
With companies like Allstate, Farmers and State Farm as well as independent agents all competing for business in San Marcos, consumers have a hard time knowing which insurance agent will provide the cheapest rates and the best coverage. Fortunately, consumers can use online price quotes to assemble a group of insurance agents from which to choose.
Your insurance agent down the street
Licensed agents can help determine the best coverages and give you someone to call. The biggest benefit of getting online price quotes is that you can obtain lower rates and still have an agent to talk to. And providing support for local agencies is important particularly in San Marcos.
For easy comparison, once you complete this form (opens in new window), your information is transmitted to local insurance agents who will compete for your insurance coverage. You don’t have to drive around because quoted prices will be sent to the email address you provide. Now that’s easy!
Shown below are San Marcos auto insurance agents that may be willing to give comparison quotes.
- Texas Farm Bureau Insurance Co – 102 Whitetail Dr # 100, San Marcos, TX 78666 – (512) 754-6665
- Nava Arturo Insurance Agency – 225 N C M Allen Pkwy, San Marcos, TX 78666 – (512) 396-1955
- Allstate Insurance – 2206 Ranch Road 12 # D, San Marcos, TX 78666 – (512) 754-7300
- Benchmark Insurance Group – 225 W Hopkins St, San Marcos, TX 78666 – (512) 754-2700
- Farmers Insurance Group – 100 N Edward Gary St, San Marcos, TX 78666 – (512) 396-5769
- San Marcos Insurance – 1517 Aquarena Springs Dr # C2, San Marcos, TX 78666 – (512) 754-7119
For a full directory of San Marcos insurance agents, please go to this site.
Deciding on an insurance agency should depend on more than just a low price. Some important questions to ask are:
- What will you get paid if your car is a total loss? How is that amount determined?
- What is the agency’s Better Business Bureau rating?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Which members of your family are coverage by the policy?
- Does the agency support the community they serve?
- How long has their agency been in business in San Marcos?
- Do they specialize in personal lines coverage?
Upon receiving satisfactory answers to your questions and an acceptable price quote, you have narrowed it down to an insurance agency that meets your needs to insure your vehicles.
Keep your options open
Car insurance agents are indespensible for some people, but you also have the option of buying Texas car insurance direct online. Even companies that are more known for using agents, also give you the ability to get a quote and buy online. This is something to consider.
If you’re uncomfortable with whether or not you’ll have guidance, that is quite common when buying online the first time. Online companies have toll-free phone numbers and other options that you can contact for information.
When trying to find the best rates, the only way to determine if the cheapest policy comes from an agent or online is getting rates for as many of both types of providers as possible. You can actually get different rates from the SAME company if you compare an online quote to agent rates.
Do people save by buying online? That is a tough question to answer because there are many components that determine your policy premium. It’s a logical assumption that buying directly from the company saves the cost of an agent commission. But in reality, getting their brand in front of customers is expensive so there may not be significant savings.
Online plus local equals savings
People change insurance companies for a variety of reasons including not issuing a premium refund, high prices, questionable increases in premium and high rates after DUI convictions. It doesn’t matter why you want to switch finding the right car insurance provider can be easy and end up saving you some money.
As you prepare to switch companies, it’s a bad idea to buy poor coverage just to save money. There are too many instances where consumers will sacrifice full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at a price you can afford.
Additional car insurance links
Much more information about car insurance in Texas is located on the Texas Department of Insurance website located here. Consumers can get help finding coverage, learn about specific coverages, view a list of available companies, and find out industry alerts.