If you’re looking for a licensed insurance agent in Aransas Pass, we recommend you do the preliminary legwork on the web to save yourself time. Consumers need an excellent agent, but also decent rates too.
Numerous insurance agencies battle to insure your vehicles, so it’s not easy to compare every insurance agent to discover the definitive best rate
Price shop online but buy from a local Aransas Pass agent
Insurance agents are trained to spot inefficiencies and help file insurance claims. The best thing about getting online price quotes is the fact that you can find lower rates and still have an agent to talk to.
To help locate an agent, after submitting this simple form, your insurance coverage information is immediately sent to participating agents in Aransas Pass who will return price quotes for your coverage. There is no need to drive around as quotes are delivered to your email. How cool is that?!
Deciding on a car insurance agent should depend on more than just a low price. These questions are important to ask:
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they specialize in personal lines coverage?
- Which company do they place the most coverage with?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How long have they worked with personal auto insurance coverage?
- If you are a high risk driver, do they have special markets for your coverage?
Captive or Independent: There is a difference
When researching local Aransas Pass agents, there are two different agency structures that differ in how they can insure your vehicles. Agents can either be independent (non-captive) or captive. Either one can insure your vehicles, but it’s important to know how they are different because it can impact the type of agent you choose
Captive Agents
This type of agents are contracted to one company and examples are Allstate, Farmers Insurance, State Farm and AAA. They generally cannot compare other company’s rates so keep that in mind. Captive agents are very knowledgeable on their products and sales techniques which can be an advantage.
Independent Agents (or Brokers)
Independent agencies are not required to write business for one company but rather can write business amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part.
When comparison shopping, it’s a good idea to get quotes from at least one independent agent to have the most options to choose from.
Shown below is a short list of independent agents in Aransas Pass that are able to give comparison quotes.
Steve Morales Insurance – 1913 W Wheeler Ave # A – Aransas Pass, TX 78336 – (361) 758-2809
Mc Call Insurance – 406 S Commercial St – Aransas Pass, TX 78336 – (361) 758-7971
For a full directory of auto insurance agents in Aransas Pass, please click here.
After getting positive responses to these questions and locked in a price quote, you’ve probably found a car insurance agent that is a good match to service your policy.
Also think about buying car insurance direct
Licensed agents can be invaluable at times, but Texas car insurance can also be bought direct online. Some companies who have local agents in Aransas Pass also let you get quotes and purchase online, and that can save time to possibly find a better rate.
If you’re uneasy about not having someone to ask questions, that shouldn’t be an issue. Online companies have toll-free phone numbers and other options for getting the best coverage. In addition, they usually offer the ability to chat online live with a sales rep and online research that you can use if you have questions.
Are online rates lower? Whether or not you’ll save is impossible to say due to the fact that there are many factors that influence the price you pay. It’s often assumed that going direct saves the cost of an agent commission. In reality, the cost of constant advertising is expensive so the rates may be similar to buying from an agent.
When trying to find the best rates, the only way to determine if the cheapest policy comes from an agent or online is to get rates from both and compare them. It’s even possible to receive different pricing from the same car insurance company if you compare an online quote to agent rates. But you can’t find out whether online or agents have the lower rates until after comparing identical coverage quotes for both.
Smart shoppers get results
When you buy insurance online, do not sacrifice coverage to reduce premiums. In many instances, an accident victim reduced physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The proper strategy is to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.
Insureds leave their current company for a number of reasons such as an unsatisfactory settlement offer, being labeled a high risk driver, not issuing a premium refund and high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company can be pretty painless.
More tips and info about auto insurance is located at the Texas Department of Insurance website. Consumers can file complaints about a company, find disaster information, and view agent and company licensing information.
Also read more on these car insurance answers and this list of agents in Aransas Pass, TX.