When buying auto insurance in Anthony, you have many choices and selecting the best Anthony car insurance agent for your needs is harder than just using the same car insurance agent as your neighbor. It’s assumed you’re not only searching for a decent agent, but also great rates as well.
With companies like American Family, Allstate, State Farm and Farmers having offices in Anthony, it can be hard to know which provider will provide the best rates, service and coverage. Fortunately, it’s easy to use online price quotes to get a list of agencies and thier coverage prices.
Buying car insurance locally
Licensed agents are trained to spot inefficiencies and help you file claims. One of the great benefits of price shopping on the web is the fact that you can find the best rates and still have an agent to talk to. And providing support for local agencies is important particularly in Anthony.
Upon completion of this short form, your coverage information is sent to participating agents in Anthony who will compete for your coverage. There is no reason to leave your house due to the fact that quote results will go straight to your inbox. How’s that for easy! You’ll get the best rates AND a local agent.
Is a captive or independent insurance agent right for you?
When finding a local agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agencies in Anthony are either captive or independent (non-captive).
Independent Agents (or Brokers)
Independent insurance agents do not work for one specific company so they have the ability to put coverage with many different companies depending on which coverage is best. If you are not satisfied with one company, the business is moved internally and you won’t have to switch agencies.
When comparison shopping, we recommend you contact multiple independent agents to get the best comparison.
Listed below is a short list of independent insurance agents in Anthony who may be able to give you pricing information.
Fred Loya Insurance – 2000 Antonio St – Anthony, TX 79821 – (915) 886-4200
Pan American Insurance – 102 S Main St – Anthony, TX 79821 – (915) 886-3800
Captive Agents
Captive agents can only place business with one company such as AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are not able to shop your coverage around so it’s a take it or leave it situation. Captive agents receive extensive training on their products and sales techniques which can be an advantage.
Picking an auto insurance agent shouldn’t rely on just the price. Some important questions to ask are:
- Are they able to influence company decisions when a claim is filed?
- What is the agency’s Better Business Bureau rating?
- Which company do they place the most coverage with?
- Can they provide you with a list of referrals?
- How are claims handled?
- Do they regularly work with personal auto policies?
Upon receiving positive responses for all questions you ask and an affordable coverage quote, you’ve probably found a car insurance agent that meets your needs to adequately provide auto insurance.
But what about GEICO, Progressive and Esurance?
Car insurance agents can be invaluable at times, but you also have the option of buying Texas car insurance direct over the internet. Some specific companies, such as State Farm, Allstate and Farmers, who have local Anthony agents also let you buy online, and online price comparisons are easy if you prefer to buy online.
If you’re apprehensive about not having professional advice when shopping online, don’t be too concerned. Companies that allow you to purchase coverage provide options to answer any questions you may have. Also available are anytime access to help and a customer research section so you can feel comfortable buying online.
Is auto insurance cheaper online? That question is hard to answer due to the fact that there are multiple individual factors that influence the price you pay. It would make sense to think that a customer who purchases direcly from an online company lowers rates due to not having any agent compensation. But in most cases, marketing expenses are significant so the rates may be similar to buying from an agent.
Additional auto insurance information is available on the website for the Texas Department of Insurance. Click here for link. Consumers can get help finding coverage, file complaints about a company, read consumer alerts, and learn about insurance regulations.
Additional helpful sites include Auto Insurance 101 and this link where you can make Anthony auto insurance comparisons.
A little work can save a LOT of money
As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced full coverage and discovered at claim time that it was a big mistake. Your aim should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.
Cheap auto insurance can be purchased both online and with local Anthony insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.