To find a licensed insurance agent in Alice, you can always start your search online instead of calling around. Most likely you’re looking for a decent agent, but also the best rates possible.
With American Family, Allstate, State Farm and independent agents all competing for your business, it’s difficult to determine which auto insurance agent will give you the best rates, service and coverage. Fortunately, consumers can get online quotes in order to build a list of agents from which to choose.
Comparing prices from Alice agents
Good agents can help determine the best coverages and give you peace of mind. The best thing about price shopping on the web is you may find better rates and still have an agent to talk to. Supporting small agencies is definitely important in Alice.
To make it easy to find an agent, after completing this quick form, your coverage information is instantly submitted to local insurance agents in Alice who will compete for your business. You won’t need to visit any agencies due to the fact that quote results will go immediately to your email address. How’s that for easy!
Alice auto insurance agents come in two flavors
When looking for local Alice agents, you need to know there are two different types of agents that you can select. Agencies in Alice are classified as either independent or captive. While both can insure your vehicles, but it’s worth learning how they differ since it may influence your agent selection.
Independent Agents
These agents are not required to write business for one company but instead can place your coverage with any number of different companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier and you won’t have to switch agencies. When comparing rates, you should always include price quotes from multiple independent agents to have the most options to choose from.
The following are independent agencies in Alice who can help you get comparison quotes.
Fred Loya Insurance – 1115 E Main St – Alice, TX 78332 – (361) 661-0090
Loving Insurance – 1315 E Main St # 102 – Alice, TX 78332 – (361) 668-3929
Captive Agents
Captive agencies can only write with one company and examples are Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to give you multiple price quotes so always compare other rates. Captive agents are usually quite knowledgeable in insurance sales and that can be a competitive advantage.
The following is a short list of captive insurance agencies in Alice that can give you price quotes.
Allstate Insurance – 2041 E Main St # 200 – Alice, TX 78332 – (361) 668-0623
State Farm Insurance – 1501 E Main St # 2 – Alice, TX 78332 – (361) 664-7611
Farm Bureau Insurance – 900 E 1st St – Alice, TX 78332 – (361) 664-2661
Farmers Insurance Group – 1600 E Main St – Alice, TX 78332 – (361) 668-3586
To view a full list of captive agents in Alice, please view this page.
Choosing an insurance agency should depend on more than just the price. Here are some questions to ask:
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How are claims handled?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- How long have they worked with personal auto insurance coverage?
- If you have an accident, will your rates go up?
Upon getting good answers in addition to an acceptable price estimate, it’s possible that you found an insurance agency that can provide car insurance coverage.
Can you save by buying online?
Auto insurance agents serve a purpose, but Texas consumers also have the option to buy directly from online companies. Even companies who employ agents also allow consumers to buy direct online, and that is helpful if you want to do it yourself.
If you’re uneasy about not receiving proper advice when shopping online, that should not be a issue. Insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options to walk you through the process.
Does it save money buying online? It’s hard to say exactly since there may be dozens of rate factors that influence how your policy is priced. It’s logical to say that buying direct saves money because there is no agent involvement. For most companies selling online, however, marketing their products costs a lot of money and that can quickly cost more than paying an agent.
The only way to know if agents have better prices than online companies is comparing prices for both of them. It’s even possible to receive different pricing from the SAME company when they use both methods.
Final thoughts
Insureds change insurance companies for many reasons like being labeled a high risk driver, not issuing a premium refund, extreme rates for teen drivers and even high prices. Regardless of your reason for switching companies, choosing a new company can be less work than you think.
When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, an insured cut physical damage coverage only to regret they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at a price you can afford while still protecting your assets.
More resources for learning
Much more information about car insurance in Texas is located on the website for the Texas Department of Insurance. Click here for link. Texas consumers can discover disciplinary actions, find out which companies have the most complaints, and find a variety of consumer forms.