When pricing car insurance in Falfurrias, Texas, picking a good Texas insurance agent is more difficult than just picking up the phone. Chances are you want a highly trained agent, but you also want to find great rates as well.
With insurance companies like Allstate, Farmers, State Farm and many independent agents all competing for your business, it can be hard to know which one will provide you with the lowest rates and best service. To begin, consumers can use insurance quotes online to get a list of agents and price estimates.
Save time by quoting online
Licensed agents can answer important questions and help you file claims. One of the best bonuses of comparing insurance prices online is that you can obtain lower rates but still work with a licensed agent. And supporting local agencies is important especially in Falfurrias.
For easy comparison, once you complete this simple form, your coverage information is submitted to local insurance agents who will battle for your coverage. You don’t have to drive around as quotes are delivered to the email address you provide. It doesn’t get any easier!
Not all insurance agencies are the same
When looking for an insurance agent, you must know there are a couple types of insurance agents to choose from. Falfurrias agents can either be captive or independent. Either one can write coverage properly, but it’s worth mentioning the differences because it can impact buying decisions.
Independent Agents
Independent agents are not employed by any specific company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part.
When comparing rates, it’s a good idea to get quotes from multiple independent agents to ensure the widest selection of prices. They also have the ability to place coverage with smaller companies which may provide better rates.
Listed below are Falfurrias independent agencies that may be able to provide price quotes.
- Amco Insurance – 100 N Las Pitas St – Falfurrias, TX 78355 – (361) 325-4545
- Barnes Insurance and Realty Inc – 102 S Caldwell St – Falfurrias, TX 78355 – (361) 325-3025
Captive Agents
Captive insurance agents have only one company to place business with like Farmers Insurance or State Farm. These agents are unable to shop your coverage around so always compare other rates. Captive agents are very knowledgeable on the products they sell which can be an advantage. Consumers sometimes buy from captive agents mostly because of the brand legacy and the convenience of having all coverages with one company.
Shown below are Falfurrias captive insurance agencies that are able to give price quotes.
- Allstate Insurance – – Falfurrias, TX 78355 – (361) 325-3280
- State Farm Insurance – 123 N Las Pitas St – Falfurrias, TX 78355 – (361) 325-3664
To view a full list of Falfurrias captive insurance agencies, visit this link.
Selecting a car insurance agent should depend on more than just a cheap price. These questions are important to ask:
- Which company do they place the most coverage with?
- If you have an accident, will your rates go up?
- If they are an independent agency, which companies do they recommend?
- Does the agency support the community they serve?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they review policy coverages at every renewal?
Upon receiving reasonable responses to your questions and a good coverage price, you’ve probably found an insurance agency that is a good match to adequately provide car insurance.
Are online companies like GEICO cheaper?
Insurance agents are perfect for certain consumers, but you also have the option of buying Texas car insurance from companies direct over the internet. Even companies, such as Farmers Insurance and State Farm, who have local agents in Falfurrias also give you the option to buy direct on their websites, so that should be considered.
If you’re worried about whether or not you’ll have guidance when buying car insurance direct, this is a normal reaction for first-time shoppers. Auto insurance companies all have client service departments that you can contact for information. They also offer live chat and online tools you can access prior to buying.
Are car insurance rates lower online? That question is hard to answer due to the fact that there are many factors that determine your policy premium. Common sense would say that going direct prevents the agent from taking a cut. But in most cases, promoting brand recognition is pricey so rates may not be all that different from traditional agents.
Additional car insurance information can be found on the Texas Department of Insurance website located here. Visitors are able to find out which companies have the most complaints, get help finding coverage, and report car insurance fraud.
Other informative sites include this link for Texas coverage information and this list of insurance agents in Falfurrias.
Compare but don’t skimp
When you buy insurance online, do not skimp on coverage in order to save money. In many cases, drivers have reduced uninsured motorist or liability limits only to find out they didn’t have enough coverage. Your goal should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.
Budget-conscious car insurance is definitely available both online as well as from independent agents in Falfurrias, so compare prices from both so you have a total pricing picture. Some companies don’t offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.