If you’re trying to find a licensed insurance agent in Rockport, it’s recommended you start your research by comparing prices online to save yourself time. For this article’s sake, it’s assumed you not only want a good agent that listens to you, but you also want to find great rates as well.
With independent agents, Allstate and State Farm having offices in Rockport, it’s difficult to determine which one will provide you with the best service and rates. To help decide, it’s easy to use insurance quotes online to build a list of agencies and price estimates.
Price shop online but buy from a local Rockport agent
Licensed agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing rates online is that you can obtain lower rates and still choose a local agent. And providing support for small agencies is important particularly in Rockport.
Once you complete this form (opens in new window), your insurance data is submitted to local insurance agents in Rockport who will give you bids to get your business. You won’t need to leave your computer because quoted prices will be sent to the email address you provide. Now that’s easy! You can find the lowest rates AND an agent nearby.
Insurance agent types
When looking for a reputable insurance agent or broker, there are a couple of different agency structures to choose from. Agencies in Rockport are classified as either captive or independent.
Independent Agents
Independent agencies are not required to write business for one company so they can insure your vehicles with lots of companies and potentially find a lower price. If you are not satisfied with one company, your agent can switch companies without you having to go to a different agency.
When comparing rates, we recommend you include multiple independent agents to get the best comparison. They often place coverage with smaller companies which can be an advantage.
Shown below are Rockport independent agencies that can give you comparison quotes.
- Farm Bureau Insurance – 516 E Market St – Rockport, TX 78382 – (361) 729-9506
- Rockport Insurance Assoc – 1806 Harbor Dr – Rockport, TX 78382 – (361) 790-9043
Agency Captives
Captive agencies can only place business with one company and examples are Allstate, Farmers Insurance or State Farm. They are unable to compare other company’s rates so it’s a take it or leave it situation. These agents receive extensive training on their company’s products which helps them compete with independent agents. Consumers frequently purchase coverage from captives mostly because of the prominence of the brand and strong financial ratings.
Listed below are captive agents in Rockport that can give you price quote information.
- State Farm Insurance – 319 Broadway St – Rockport, TX 78382 – (361) 729-1007
- Farm Bureau Insurance – 516 E Market St – Rockport, TX 78382 – (361) 729-9506
To view a complete directory of captive insurance agents in Rockport, view this link.
Deciding on a car insurance agent shouldn’t rely on just a low price. These questions are important to ask:
- Which insurance companies are they affiliated with?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How often do they review policy coverages?
- Do they feel the quoted coverages are adequate?
- Are there any discounts that you might be missing?
- Are claim adjusters local or do you have to take your car somewhere else?
Upon receiving satisfactory answers in addition to an acceptable price estimate, it’s possible that you found a car insurance agent that can service your policy.
Is buying direct online an option?
Professional insurance agents are important to many people, but Texas drivers can also buy from companies direct over the internet. Some specific companies that sell primarily through agents also allow you to buy a policy online, so that should be considered if you prefer to buy online.
If you’re uncomfortable with not getting advice from an agent when buying direct, don’t be too concerned. All companies provide customer service for getting questions answered. Additionally, most companies also offer extensive coverage information and 24/7 assistance you can access prior to buying.
Will you save money buying auto insurance online? The answer to that question is complicated due to the fact that there are multiple individual factors that impact your premium. Some people will tell you that shopping direct saves money because there is no commission. But the fact is, marketing expenses are significant so this can offset any savings.
One last thing about your coverage
Cheaper car insurance is possible on the web and also from your neighborhood Rockport agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.
Consumers leave their current company for many reasons like policy non-renewal, lack of trust in their agent, policy cancellation or even extreme rates for teen drivers. Regardless of your reason, switching car insurance companies is pretty easy and you might even save some money in the process.
More sites with car insurance information
Additional information can be found on the Texas Department of Insurance website. Click here for link. Texas consumers can discover disciplinary actions, learn about specific coverages, read enforcement actions against agents and companies, and view agent and company licensing information.