Consumers Guide to Researching a Pearsall Auto Insurance Agent

To locate a good Pearsall agent, it’s recommended you start your search using online quotes to save yourself time. You require a good agent that listens to you, and also want to find affordable rates.

Lots of auto insurance agents contend for your hard-earned dollar, and it can be difficult to compare rates to find the best price available.

Buying auto insurance from a local Pearsall agent

Insurance agents can point out coverage gaps and give you someone to call. The best thing about price shopping on the web is you can get the lowest rates and still have an agent to talk to.

To make it easy to find an agent, after completing this short form, your insurance coverage information gets sent to agents in your area who will battle for your coverage. You won’t need to leave your house since price quotes are sent to your email. How’s that for easy!

Deciding on an insurance agent needs to be determined by more than just a cheap price. Agents should be asked these questions:

  • What are the financial ratings for the companies they represent?
  • Are there any discounts that you might be missing?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Do the coverages you’re quoting properly cover your vehicle?
  • Do they have any clout with companies to ensure a fair claim settlement?
  • How long have they worked with personal auto insurance coverage?
  • Does the agent have professional designations like CIC, CPCU or AIC?

Shown below are agents in Pearsall who can help you get price quote information.

South Texas Insurance Svc – 121 S Oak St, Pearsall, TX 78061 – (830) 334-2716
Farmers Insurance Group – 821 S Ash St, Pearsall, TX 78061 – (830) 334-3158
Frio County Insurance Inc – 313 E Colorado St, Pearsall, TX 78061 – (830) 334-3674

Upon getting answers to your satisfaction in addition to an acceptable price estimate, it’s possible that you found an insurance agency that will properly insure your vehicles.

Online companies should also be compared

Insurance agents are a valuable resource, but Texas consumers also have the option to buy from online companies direct. Some specific companies like Allstate and State Farm who employ agents also give you the option to buy online, so this should also be taken into consideration if you want to do it yourself.

If you’re uncomfortable with not getting proper coverage when buying online, that is normal but is not a big issue. Insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options to walk you through the process. Also available are live help and 24/7 access that you can use before buying.

Are online rates lower? That question is hard to answer since there are so many factors that impact your rate calculation. Many people think that shopping direct saves by not paying a commission. But truthfully, advertising and marketing take a lot of money and that can quickly cost more than paying an agent.

Even more information can be found at the Texas Department of Insurance website. Consumers can discover disciplinary actions, find disaster information, and find out which companies have the most complaints.

Quote often and quote early

As you go through the steps to switch your coverage, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where an insured dropped uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage for the lowest price while still protecting your assets.

Affordable auto insurance is possible from both online companies as well as from independent agents in Pearsall, so you should be comparing quotes from both so you have a total pricing picture. A few companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.