To find a good insurance agent in Santa Fe, TX, you can do an initial search for an agent online in order to save time. You require a professional licensed agent, and also want to find cheaper auto insurance prices.
Drivers have multiple insurance agencies to purchase coverage from, and although it’s a good thing to be able to choose, too many choices makes it more difficult to find the lowest cost provider.
Comparing prices from Santa Fe agents
Agents can point out coverage gaps and help in the event of a claim. One of the great benefits of price shopping on the web is you may find better rates but still work with a licensed agent.
To find an agent, once you fill out this form (opens in new window), your information gets sent to participating agents in Santa Fe who will compete for your business. You won’t need to drive around since price quotes are sent to the email address you provide. It doesn’t get any easier!
Deciding on an insurance agency shouldn’t rely on just the premium amount. Agents should be asked these questions:
- Are there any discounts that you might be missing?
- Are claim adjusters local or do you have to take your car somewhere else?
- Is working in the agency their full-time job?
- Are they able to influence company decisions when a claim is filed?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
Do you need an independent or captive insurance agent?
When researching an insurance agent, you must know there are a couple different agency structures to choose from. Insurance agencies in Santa Fe are classified as either captive or independent. Both types can insure your vehicles, but it’s worth mentioning the difference between them because it can influence the selection process.
Agency Captives
Captive agents can only place business with one company like Allstate, State Farm and Farmers Insurance. These agents are not able to provide prices from multiple companies so keep that in mind. Captive agents are very knowledgeable on their company’s products which can be an advantage. Some consumers prefer to buy insurance from these agents mostly because of the prominence of the brand and solid financial strength.
Shown below are captive insurance agencies in Santa Fe who can help you get rate quotes.
- Allstate Insurance – 12102 Highway 6 – Santa Fe, TX 77510 – (409) 925-1980
- State Farm Insurance – 13119 Highway 6 – Santa Fe, TX 77510 – (409) 925-2511
- Farmers Insurance Group – 11959 Fm 1764 Rd – Santa Fe, TX 77510 – (409) 925-6808
Independent Agents
Independent agents do not work for one specific company so they have the ability to put coverage with lots of companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and that require little work on your part. When comparing rates, it’s a good idea to get quotes from multiple independent agents for maximum quote selection.Many can place coverage with smaller companies which may provide better rates.
Shown below are Santa Fe independent insurance agencies that can give you price quote information.
- Hall’s Insurance – Citizens State Bank Bldg Dicki – Santa Fe, TX 77510 – (409) 925-3612
- Gardner Insurance Inc – 12624 Harriett Ln – Santa Fe, TX 77510 – (409) 925-8242
For a full directory of auto insurance agents in Santa Fe, go to this page.
Once you have positive feedback and a low price estimate, you’ve probably found an insurance agency that meets your needs to properly service your auto insurance policy.
Can you find lower rates by buying online?
Professional insurance agents are important to many people, but you can also find affordable Texas auto insurance directly from online companies. Some specific companies who have local agents in Santa Fe additionally provide the ability to buy direct on their websites, so that should be considered if you’re trying to lower your rates.
If you’re uncomfortable with not having professional advice, that shouldn’t be an issue. Online insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options to answer your questions. They also make available extensive coverage information and 24/7 assistance to help you make a buying decision.
Is it cheaper to buy online? The answer is complex because there are many components that impact your final bill. It would make sense to think that a customer who purchases direcly from an online company saves money by not requiring a commission. But the fact is, there are very high advertising costs and this drives up their premium costs.
Buy online or local, you save
Cheaper auto insurance can be found online in addition to many Santa Fe insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some companies do not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
As you go through the steps to switch your coverage, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage for the lowest price, not the least amount of coverage.
Consumer auto insurance information in Texas
More tips and info about auto insurance is available at the Texas Department of Insurance website. Visitors are able to file complaints about an insurance agent or broker, read consumer alerts, and get help finding coverage.
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