When trying to find a licensed insurance agent in Uvalde, you can start your research on the web to save yourself time. Chances are good you not only want a professional agent, but you also want to find the lowest possible price.
With insurance companies like State Farm, Allstate, Farmers and independent agents all competing for your business, it can be hard to know which auto insurance agent will provide you with the lowest rates and best service. Fortunately, you can use insurance quotes online to build a list of agents from which to choose.
Quote online but still have a local agent
Professional agents can point out coverage gaps and help you file claims. The biggest benefit of price shopping on the web is the fact that you can find better rates and still choose a local agent. Supporting local agencies is definitely important in Uvalde.
By using this simple form, your insurance coverage information gets sent to agents in your area who will return price quotes for your insurance coverage. You don’t have to visit any agencies as quotes are delivered straight to your inbox. Now that’s easy!
Choose the right insurance agent
When finding a good Uvalde insurance agent, you need to know there are two types of agencies that you can select. Agencies in Uvalde are classified as either captive or independent (non-captive). Both properly insure your vehicles, but it’s important to know the differences since it can impact your agent selection.
Independent Agencies or Brokers
Independent agents do not work for one specific company so they have the ability to put coverage amongst many companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part. When searching for an agent, it’s recommended you contact multiple independent agents to ensure the widest selection of prices.
Below are independent insurance agencies in Uvalde that may be able to provide rate quotes.
Schawe Insurance – 2043 E Main St – Uvalde, TX 78801 – (830) 591-2678
Thompson Insurance – 102 N East St – Uvalde, TX 78801 – (830) 278-6215
Captive Insurance Agents
This type of agents can only write with one company like American Family, State Farm and Allstate. They generally cannot place coverage with different providers so they have no alternatives for high prices. Captives receive extensive training on the products they sell and that can be a competitive advantage.
Shown below is a short list of captive agents in Uvalde that can give you price quote information.
Farmers Insurance Group – 557 W Main St – Uvalde, TX 78801 – (830) 278-5338
State Farm Insurance – 117 N High St – Uvalde, TX 78801 – (830) 278-5582
To view a full list of Uvalde captive insurance agencies, simply jump to this page.
Picking an insurance agency requires more thought than just the price. Here are some questions to ask:
- Is the agency involved in supporting local community causes?
- If your car is totalled, how to they determine the replacement cost?
- Do they receive special compensation for putting your coverage with one company over another?
- What is the agency’s Better Business Bureau rating?
- Are there any discounts that you might be missing?
- Can they give you a list of client referrals?
- If your car is in the repair shop, do you have coverage for a rental car?
- Do the coverages you’re quoting properly cover your vehicle?
Upon receiving acceptable answers to any questions you have as well as a affordable price, chances are good that you have found a car insurance agent that will provide car insurance coverage.
Consider all the options when buying car insurance
Professional insurance agents are important, but Texas drivers can also buy direct from companies online. A few companies who sell through the agent channel also permit you to get a quote and buy online, and consumers should do that if you don’t want to take the time to contact agents.
If you’re uneasy about not receiving proper advice, this is expected but don’t let that bother you. Insurance companies all have toll-free customer service to help you decide which coverages are appropriate. You can also use help pages and frequently asked questions that you can use if you have questions.
Is it cheaper to buy online? The answer is complex because there are many components that impact your premium. It’s a common assumption that shopping direct saves the cost of an agent commission. But truthfully, promoting brand recognition is pricey so the lack of a commission may be a wash.
The only method to determine who has the best rates, online companies or local insurance agents, is to get rates from both and compare them. You may actually get a different price from the exact same provider when they get quotes from both. But you won’t know whether online or agents have the lower rates unless you get rate quotes each way.
Learn more today
More information can be found on the website for the Texas Department of Insurance through this link. Texas drivers can read industry bulletins, learn about insurance regulations, and get help finding coverage.
Online plus local equals savings
Drivers change insurance companies for many reasons like denial of a claim, being labeled a high risk driver, delays in responding to claim requests and even extreme rates for teen drivers. It doesn’t matter why you want to switch choosing a new insurance company is not as hard as you think.
As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. Too many times, an insured cut liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage for the lowest price while still protecting your assets.