If you’re looking to buy auto insurance, choosing the right Palacios insurance agency is harder than just picking up the phone. You need a good professional insurance agent, and also cheaper auto insurance prices.
Many car insurance agents compete for your insurance dollar, and it can be difficult to compare rates to find the lowest cost out there.
Local Palacios auto insurance agents
Professional agents are trained to spot inefficiencies and give you peace of mind. One of the great benefits of price shopping on the web is the fact that you can find the best rates but also keep your business local.
Upon completion of this quick form, the quote information is immediately sent to companies in Palacios who will battle for your insurance coverage. You don’t have to visit any agencies as quotes are delivered straight to your inbox. Now that’s easy! You can find better rates AND a local agent.
Picking an insurance agency needs to be determined by more than just the premium amount. Some important questions to ask are:
- Does the agency have a good rating with the Better Business Bureau?
- How long has their agency been in business in Palacios?
- Are you getting all the discounts the company offers?
- Do they make recommendations based only on price?
- Do they carry Errors and Omissions coverage?
- Are they able to influence company decisions when a claim is filed?
Captive and independent Palacios insurance agents
When searching for a local agent, you need to know there are two types of agencies that differ in how they can insure your vehicles. Agents are either captive or independent (non-captive).
Agency Captives
Captive agencies are contracted to one company such as State Farm, AAA and Liberty Mutual. They usually cannot give you multiple price quotes so it’s a take it or leave it situation. Captive agencies are well schooled in insurance sales which can be an advantage.
Independent Agencies or Brokers
These agents do not work for one specific company so they have the ability to put coverage amongst many companies depending on which coverage is best. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency. When comparing rates, it’s recommended you get quotes from at a minimum one independent agency to get the best comparison.
The following is a list of independent agents in Palacios who can help you get rate quotes.
Campbell-Huitt Insurance – 328 Commerce St – Palacios, TX 77465 – (361) 972-2551
Jack Hollister Insurance – 454 Main St # B – Palacios, TX 77465 – (361) 972-1098
To view a complete directory of auto insurance agents in Palacios, please go to this site.
After receiving answers to your satisfaction to any questions you have and a good coverage price, it’s possible that you found an insurance agency that can properly service your auto insurance policy.
You have the option to buy direct online
Car insurance agents are a valuable resource, but Texas drivers can also buy from online companies direct. A few companies like State Farm and Allstate that sell primarily through agents also let you buy direct online, and consumers should do that if you don’t want to take the time to contact agents.
If you’re apprehensive about not having an insurance agent’s advice, that shouldn’t be an issue. Companies provide access to licensed agents you can use to get advice on coverages. Most companies also provide live chat and online tools to help with the buying process.
Do online companies have better rates? The answer is complex due to the fact that there are many factors that can increase policy rates. Some people will tell you that purchasing direct online saves money because there is no commission. For the majority of companies, however, marketing expenses are significant so rates may not be all that different from traditional agents.
Additional Texas car insurance resources
Even more information is located at the Texas Department of Insurance website. Consumers can view agent and company licensing information, find out industry alerts, read consumer alerts, and file complaints about a company.
Summing up your auto insurance search
Cheaper auto insurance can be purchased both online and with local Palacios insurance agents, and you need to comparison shop both to have the best rate selection. A few companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.
Consumers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, policy cancellation or being labeled a high risk driver. No matter why you want to switch, finding the right auto insurance provider can be less work than you think.