If you’re looking to buy auto insurance, you have many choices and finding the best Texas insurance agency takes more work than just using the same insurance agent as your neighbor. Most likely that not only do you want a professional agent, but you also want great rates as well.
With companies like State Farm, Allstate, Farmers and independent agents all competing for your business, consumers have a hard time knowing which will have the best rates, service and coverage. To help decide, it’s easy to use online quoting to get a list of agents to choose from.
Compare online but buy from a local La Feria agent
Good agents are trained to spot inefficiencies and help file insurance claims. The best thing about price shopping on the web is you may find the best rates but still work with a licensed agent. And providing support for local agencies is important especially in La Feria.
Once you complete this simple form, the coverage information is sent to local insurance agents in La Feria who will compete for your business. You never need to visit any agencies since price quotes are sent immediately to your email address. How’s that for easy! You’ll get the best rates without the usual hassles of price shopping.
Choose the right insurance agent
When looking for a reliable agent, you need to know there are two types of insurance agents from which to choose. Insurance agencies in La Feria are categorized either captive or independent (non-captive).
Independent Agents
Independent agencies are not employed by any specific company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies. When comparing rates, you should always include several independent insurance agents to have the most options to choose from.
Shown below are La Feria independent agencies who can help you get price quote information.
J and D Auto Insurance – 128 W Oleander Ave – La Feria, TX 78559 – (956) 797-9681
Captive Insurance Agents
Captive agents can only write with one company such as Liberty Mutual, State Farm, Allstate and AAA. They generally cannot give you multiple price quotes so it’s a take it or leave it situation. Captives receive extensive training on their company’s products which helps them compete with independent agents.
Selecting an insurance agent shouldn’t rely on just the premium amount. Ask your prospective agent these questions:
- If they are an independent agency, which companies do they recommend?
- Did they already check your driving record and credit reports?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- How often do they review policy coverages?
- How much will you save each year by using a higher deductible?
- Will your rates increase after a single accident?
- Does the agent have professional designations like CIC, CPCU or AIC?
After receiving answers to your satisfaction to your questions as well as a affordable price, you may have just found an insurance agency that can provide auto insurance coverage.
Are online companies an option?
Insurance agents are important, but Texas car insurance can also be bought directly from online companies. Certain companies that are more known for using agents, also allow consumers to buy online, and online price comparisons are easy to possibly find a better rate.
If you’re anxious about not having professional advice when shopping online, this really isn’t an issue. Online companies all have toll-free customer service to walk you through the process. They also make available the ability to chat online live with a sales rep and online research you can access prior to buying.
Is it cheaper to buy online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because there are many factors that impact your rate calculation. It’s logical to say that a consumer who buys direct cuts out the middleman. For the majority of companies, however, advertising budgets are huge so rates may not be all that different from traditional agents.
One last thing about your coverage
Cheap auto insurance is attainable from both online companies and with local La Feria insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not offer online price quotes and these small insurance companies work with independent agents.
When buying insurance coverage, you should never skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.
For more Texas car insurance information
Much more information about auto insurance in Texas is available on the website for the Texas Department of Insurance through this link. Consumers can discover disciplinary actions, file complaints about a company, find disaster information, and view agent and company licensing information.