Finding good car insurance in Robstown can be challenging since picking a good Texas insurance agency is harder than just randomly choosing from the yellow pages. The chances are good you’re wanting a good agent that listens to you, but you also want to find affordable coverage.
With companies like Allstate, Farmers and State Farm as well as independent agents all competing for your business, it can be hard to know which one will provide the cheapest rates and the best coverage. Fortunately, you can use online price quotes to get a list of agents and price estimates.
How to compare Robstown car insurance rates
Professional agents can help determine the best coverages and help you file claims. The biggest benefit of comparing rates online is you may find the lowest rates and still choose a local agent. Supporting local insurance agencies is definitely important in Robstown.
For easy comparison, once you complete this quick form, the coverage information is sent to participating agents in Robstown who will compete for your coverage. You won’t need to even leave your home since price quotes are sent to the email address you provide. How’s that for easy!
What types of insurance agencies are in Robstown?
When searching for an insurance agent, there are two different types of agents that you can select. Agencies in Robstown are either independent (non-captive) or captive. Both write coverage properly, but it’s good to learn how they differ since it can impact your agent selection.
Independent Agents
Independent agents do not work for one specific company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency.
When comparing rates, you should always include price quotes from at a minimum one independent agency to ensure the widest selection of prices.
Listed below are independent agents in Robstown that are able to give price quote information.
Lowke Insurance – 2165 N Us Highway 77 – Robstown, TX 78380 – (361) 387-2799
Payless Insurance – 1212 N Us Highway 77 – Robstown, TX 78380 – (361) 767-1433
Captive Insurance Agents
Captive agencies have only one company to place business with and some examples include AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are unable to give you multiple price quotes so they have no alternatives for high prices. They are trained well on their company’s products and that can be a competitive advantage.
Below are captive insurance agents in Robstown who can help you get rate quotes.
Allstate Insurance – 15602 Northwest Blvd # A – Robstown, TX 78380 – (361) 387-3484
Farm Bureau Insurance – 817 E Main Ave – Robstown, TX 78380 – (361) 387-3501
Farmers Insurance Group – 300 W Main Ave – Robstown, TX 78380 – (361) 387-6711
To view a full list of Robstown captive agencies, view this link.
Choosing a car insurance agent should depend on more than just a low price. Ask your prospective agent these questions:
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Who is covered by the car insurance policy?
- What are the financial ratings for the companies they represent?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How long has their agency been in business in Robstown?
- What insurance company do they write the most business with?
Once you have received acceptable answers to all your questions and a low price estimate, it’s possible that you found an insurance agent that is a good match to provide car insurance coverage.
The online companies promise big savings
Auto insurance agents are indespensible for some people, but Texas car insurance can also be bought direct online. Certain companies like Allstate and State Farm who have local Robstown agents also permit you to get a quote and buy online, and online price comparisons are easy if you don’t want to take the time to contact agents.
If you’re apprehensive about having to choose coverages yourself when buying online, this is normal but is quickly overcome. All companies provide phone numbers and online resources to walk you through the process.
Can buying online lower your premiums? Whether or not you’ll save is impossible to say since there are so many components that impact your premium. It would make sense to think that buying directly from the company saves the commission normally paid to an agent. But the fact is, it’s expensive to advertise so rates may not be all that different from traditional agents.
One last thing about your coverage
Low-cost car insurance can be found both online as well as from independent agents in Robstown, so you should compare both to have the best chance of lowering rates. Some car insurance companies don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
As you prepare to switch companies, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where an insured cut uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. The aim is to buy enough coverage for the lowest price while still protecting your assets.
To learn more about car insurance in Texas
Additional information can be read on the website for the Texas Department of Insurance through this link. Texas consumers can read enforcement actions against agents and companies, find out which companies have the most complaints, and discover disciplinary actions.
Additional helpful sites include III.org’s auto insurance page and this link where you can get more info about Robstown coverage.