Finding good auto insurance in Weslaco can be challenging since finding the best Texas insurance agency takes more work than just randomly choosing from the yellow pages. There is a good chance you require not only a good agent that listens to you, but you also want the lowest possible price.
With companies like American Family, Allstate, State Farm and Farmers having local Weslaco offices, it’s hard to tell which will provide the cheapest rates and the best coverage. To begin, you can use online price quotes to assemble a group of insurance agencies to choose from.
Working with a local agent
Agents can point out coverage gaps and help file insurance claims. The biggest benefit of price shopping on the web is the fact that you can find the best rates but still work with a licensed agent. Buying from small agencies is important particularly in Weslaco.
After filling out this quick form, the quote information is immediately sent to local insurance agents who will compete for your insurance coverage. You don’t have to leave your computer because quoted prices will be sent directly to your email. How cool is that?!
Do you need an independent or captive auto insurance agent?
If you’re trying to find a local agent, there are a couple of different agency structures from which to choose. Agencies in Weslaco can either be independent or captive. Both properly insure your vehicles, but it’s important to know the differences since it can impact your agent selection.
Independent Insurance Agents
Independent agencies do not work for one specific company so they can insure your vehicles with lots of companies and potentially find a lower price. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part. When comparison shopping, it’s recommended you contact at a minimum one independent agency for maximum quote selection.
Below is a short list of independent agents in Weslaco that can give you price quote information.
Stephany Wiley Agency – 605 S Texas Blvd – Weslaco, TX 78596 – (956) 968-3443
Rios Insurance – 1412 E Pike Blvd # D – Weslaco, TX 78596 – (956) 968-9128
Robert A Mc Allen Insurance – 1800 E Us Highway 83 – Weslaco, TX 78596 – (956) 968-9188
Captive Insurance Agents
These agents can only write with one company such as AAA, State Farm, Farmers Insurance and Allstate. Captives cannot compare other company’s rates so it’s a take it or leave it situation. They are trained well on their products and sales techniques and that can be a competitive advantage.
Listed below is a short list of captive agencies in Weslaco willing to provide rate quotes.
Farmers Insurance Group – 3110 E Highway 83 # A – Weslaco, TX 78596 – (956) 969-4520
Allstate Insurance – 909 W Us Highway 83 – Weslaco, TX 78596 – (956) 969-3291
For a complete listing of auto insurance agents in Weslaco, please click here.
Deciding on an insurance agent should depend on more than just the bottom line cost. Any agent should be forthright in answering these questions:
- Are they properly licensed to sell insurance in Texas?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- How are claims handled?
- Do the companies they represent have a solid financial rating?
- How long have they worked with personal auto insurance coverage?
- Are they able to influence company decisions when a claim is filed?
- Do they carry Errors and Omissions coverage?
- Is vehicle damage repaired with OEM or aftermarket parts?
Upon getting good answers and an acceptable price quote, most likely you have located an auto insurance agent that meets your needs to properly service your auto insurance policy.
Online companies can help you save
Insurance agencies are perfect for certain consumers, but you also have the option of buying Texas car insurance direct from companies online. Even companies, such as State Farm, Allstate and Farmers, that are more known for using agents, also allow consumers to quote and buy online, so this should also be taken into consideration if you prefer to buy online.
If you’re uncomfortable with not receiving proper advice when buying car insurance direct, don’t be too concerned. All companies that require consumers to choose their own coverages provide customer service to answer any questions you may have. They also offer live help and an extensive research center to help you make a buying decision.
Will you save money buying auto insurance online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because of the number of factors which can raise or lower premium rates. It would make sense to think that a shopper who purchases direct saves money because there is no commission. For the majority of companies, however, advertising budgets are huge and that impacts the rates consumers pay.
For more reading
Additional information is located on the website for the Texas Department of Insurance found here. Consumers can find disaster information, learn about insurance regulations, download brochures, and find a variety of consumer forms.
Quote often and quote early
Cheap auto insurance is definitely available on the web and also from your neighborhood Weslaco agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and these small, regional companies work with independent agents.
People leave their current company for a variety of reasons including not issuing a premium refund, policy non-renewal, questionable increases in premium or even extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new company can be pretty painless.