When searching for an insurance agent in Universal City, Texas, you can begin your search on the internet rather than picking up the phone. Chances are good you’re looking for a professional agent, but also affordable coverage.
With State Farm, Allstate and many independent agents all competing for business in Universal City, it can be hard to know which one will provide you with the lowest rates and best service. Fortunately, you can use insurance quotes online to assemble a group of insurance agents and price estimates.
Online quotes with a local Universal City insurance agent
Insurance agents can point out coverage gaps and help submit paperwork. One of the best bonuses of price shopping on the web is you may find lower rates and still have an agent to talk to. Supporting small agencies is important particularly in Universal City.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is emailed to companies in Universal City who will return price quotes for your coverage. There is no need to visit any agencies because quoted prices will be sent immediately to your email address. Now that’s easy!
Pick the best auto insurance agent in Universal City for you
When searching for a good insurance agency, there are a couple of types of agencies that differ in how they can insure your vehicles. Agencies in Universal City are either independent (non-captive) or captive. Either one can write coverage properly, but it’s important to know how they differ since it can impact your agent selection.
Independent Agents
Independent insurance agents are not employed by any specific company so they can insure your vehicles with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies.
When shopping rates, it’s a good idea to include price quotes from at a minimum one independent agency for the best price selection.
The following are independent agencies in Universal City that are able to give competitive price quotes.
Dan Liberatore Agency – 2060 Universal City Blvd # B – Universal City, TX 78148 – (210) 945-8999
Miller and Miller Insurance – 1831 Pat Booker Rd – Universal City, TX 78148 – (210) 659-0321
Barnard-Donegan Insurance – 2060 Universal City Blvd # B – Universal City, TX 78148 – (210) 658-7411
Captive Insurance Agents
This type of agents have only one company to place business with and examples are State Farm or Allstate. They usually cannot compare other company’s rates so they have to upsell other benefits. These agents are trained well on the products they sell which helps them compete with independent agents.
The following is a short list of captive insurance agencies in Universal City who can help you get rate quotes.
State Farm Insurance – 410 Pat Booker Rd – Universal City, TX 78148 – (210) 658-6291
Allstate Insurance – 1645 Pat Booker Rd # 113 – Universal City, TX 78148 – (210) 659-0343
For a full directory of Universal City captive insurance agencies, click here to link.
Picking a car insurance agent shouldn’t rely on just the price. Any agent should have no problem answering these questions:
- How long have they worked with personal auto insurance coverage?
- How long has their agency been open in Universal City?
- Can they give you a list of client referrals?
- What are the financial ratings for the companies they represent?
- Did they already check your driving record and credit reports?
- How often do they review policy coverages?
- Which members of your family are coverage by the policy?
Once you have answers to your satisfaction as well as a affordable price, it’s possible that you found an insurance agency that is a good match to properly insure your vehicles.
Buying auto insurance direct is an option
Licensed agents serve a purpose, but you can also buy Texas car insurance directly from online companies. Certain companies who sell through agents in Universal City also give you the ability to get quotes and purchase online, and that can save time if you are the do-it-yourself type.
If you’re uncomfortable with not having someone to ask questions, don’t sweat it. Car insurance companies all have client service departments for getting questions answered.
Do people save by buying online? Whether or not you’ll save is impossible to say due to the large number of individual components that influence how your policy is priced. It’s a logical assumption that buying online saves money because there is no agent involvement. In many cases, there are high advertising and marketing costs and that can cost more than having to pay agents.
In conclusion
When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.
Affordable auto insurance can be bought online and with local Universal City insurance agents, so you should be comparing quotes from both to have the best rate selection. Some companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.
More sites with auto insurance information
Additional information can be found on the website for the Texas Department of Insurance through this link. Visitors are able to find out industry alerts, report car insurance fraud, read industry bulletins, and find out which companies have the most complaints.
Other useful links include QuoteClickInsure.com and this page where you can research Universal City insurance agents.