If you’re looking for a licensed insurance agent in La Joya, we recommend you begin your search by getting online comparison quotes rather than picking up the phone. You require a great agent that can assess your needs, but also need the best car insurance prices in La Joya.
Many car insurance agents vie for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest rate possible.
Quote online, buy local
Educated insurance agents can answer important questions and give you peace of mind. The biggest benefit of comparing insurance prices online is that you can obtain the lowest rates and still choose a local agent.
Once you complete this form (opens in new window), your insurance data is sent to local insurance agents who will return price quotes for your insurance coverage. You don’t have to drive around because quoted prices will be sent directly to your email. It doesn’t get any easier! You can find better rates AND a local agent.
Picking an auto insurance agent shouldn’t rely on just a low price. Any agent should be forthright in answering these questions:
- Do they assist clients in filing claims?
- Are you getting all the discounts the company offers?
- If you have an accident, will your rates go up?
- How much can you save by raising your physical damage deductibles?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Are they full-time agents?
- How long have they worked with personal auto insurance coverage?
Pick the best auto insurance agent in La Joya for you
When looking for a good insurance agency, there are a couple of types of insurance agents from which to choose. Agencies in La Joya are either independent or captive.
Captive Insurance Agents
Captive agents have only one company to place business with such as Allstate, Farmers Insurance, State Farm and AAA. These agents are not able to shop your coverage around so keep that in mind. They are usually quite knowledgeable on their products and sales techniques which can be an advantage. Some people will only purchase coverage from captives primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.
Independent Agencies or Brokers
Independent agencies do not work for one specific company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies.
When searching for an agent, you should always contact at least one independent agent to have the most options to choose from. They also have the ability to place coverage with smaller regional carriers which can save you money.
Below is a short list of independent agents in La Joya willing to provide price quotes.
- Amco Auto Insurance – 223 W Expressway 83 # 63 – La Joya, TX 78560 – (956) 519-9682
- Ruben F Solis Jr Insurance – 112 E Expressway 83 – La Joya, TX 78560 – (956) 584-3333
To view a full list of La Joya insurance agents, please click here.
After getting positive responses as well as a affordable price, it’s possible that you found an insurance agent that is a good match to service your policy.
Do online insurance companies have lower rates?
Auto insurance agents serve a purpose, but you also have the option of buying directly from online companies. Some car insurance companies that sell primarily through agents also permit you to buy direct on their websites. This is something to consider to possibly find a better rate.
If you’re uneasy about not having professional advice when buying direct, this is expected but don’t let that bother you. Auto insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options for getting the best coverage.
Is pricing better online? The answer to that question is complicated due to the large number of individual components that influence how your policy is priced. Some people will tell you that going direct lowers rates due to not having any agent compensation. But the reality is it’s expensive to advertise and that impacts the rates consumers pay.
Even more information can be found at the Texas Department of Insurance website. Texas drivers can find out which companies have the most complaints, file complaints about a company, find out industry alerts, and report car insurance fraud.
Other useful links include this site for rates in Texas and this link where you can make La Joya car insurance comparisons.
Cheaper insurance is a realistic goal
Low-cost car insurance can be purchased online as well as from independent agents in La Joya, so you should compare both so you have a total pricing picture. A few companies don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.
Consumers who switch companies do it for a variety of reasons including denial of a claim, not issuing a premium refund, unfair underwriting practices or even policy non-renewal. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.