When shopping for auto insurance, you have many choices and choosing the right Devine auto insurance agent takes more work than just driving to the closest agent’s office. You require a good agent that listens to you, but also the cheapest rates you can possibly find.
Companies like GEICO, 21st Century and Progressive continually hit you with ad campaigns and consumers find it hard to see past the corporate glitz and effectively compare rates to find the best deal.
Compare Devine agent rates online
Insurance agents are trained to spot inefficiencies and give you peace of mind. The best thing about price shopping on the web is you can get better rates and still choose a local agent.
Upon completion of this form (opens in new window), the coverage information gets sent to insurance agents in Devine who will compete for your insurance coverage. There is no reason to leave your computer since price quotes are sent to your email. How cool is that?!
Picking an insurance agency shouldn’t rely on just the bottom line cost. Here are some questions to ask:
- If you are a high risk driver, do they have special markets for your coverage?
- Does the agency support the community they serve?
- If you have an accident, will your rates go up?
- Who is covered by the car insurance policy?
- Do the coverages you’re quoting properly cover your vehicle?
- Are you getting all the discounts the company offers?
Insurance agent types
When researching a good Devine insurance agent, there are two different types of agents from which to choose. Devine agents are categorized either captive or independent. Both types can insure your vehicles, but it’s important to know how they differ because it can influence the type of agent you choose
Captive Insurance Agents
These agents can only write with one company such as Allstate, AAA, Liberty Mutual and State Farm. These agents are not able to compare other company’s rates so it’s a take it or leave it situation. They are well schooled on their company’s products which can be an advantage. Consumers sometimes purchase coverage from captives mostly because of the prominence of the brand and solid financial strength.
Independent Agencies or Brokers
Independent insurance agents are not employed by any specific company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies. When shopping rates, it’s recommended you contact at least one independent agent for maximum quote selection.Most can insure with smaller regional carriers which can be an advantage.
Below is a list of independent agencies in Devine willing to provide price quotes.
- Samudio and Assoc Insurance – 701 Zig Zag Ave – Devine, TX 78016 – (830) 663-3092
- Darlene Crain Insurance – 200 S Commercial Dr – Devine, TX 78016 – (830) 665-3609
To view a complete directory of insurance agents in Devine, view this link.
Once you have received good answers for all questions you ask and a low price estimate, you may have just found an insurance agency that will insure your vehicles.
Also consider buying direct
Professional insurance agents serve a purpose, but you can also find affordable Texas auto insurance direct over the internet. Some car insurance companies who have local agents in Devine also give you the ability to quote and buy online, so this should also be taken into consideration.
If you’re anxious about selecting your own policy coverages when buying online, this is normal but is quickly overcome. Companies that require consumers to choose their own coverages all provide contact methods for getting advice on proper coverages.
Does it save money buying online? The answer to that question is complicated due to the fact that there are multiple individual factors that influence the price you pay. Common sense would say that a consumer who buys direct saves by not paying a commission. But in most cases, online and traditional media advertising are expensive so there may not be significant savings.
More tips and info about auto insurance can be read at the Texas Department of Insurance website. Consumers can read enforcement actions against agents and companies, download brochures, and view a list of available companies.
Shop smart and save
The cheapest auto insurance is attainable on the web in addition to many Devine insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
Insureds change insurance companies for any number of reasons including not issuing a premium refund, delays in paying claims, policy cancellation and even high prices. It doesn’t matter what your reason, choosing a new company can be easier than you think.