When finding a good Monahans agent, you can always start your search online rather than picking up the phone. You need a competent insurance agent, but also competitive auto insurance rates.
Because you have many insurance companies to choose from, it can be hard to locate the lowest cost insurer.
Local Monahans agents and auto insurance
Good agents can answer important questions and give you someone to call. The best thing about price shopping on the web is that you can obtain better rates but also keep your business local.
To find an agent, once you fill out this short form, your insurance data is transmitted to companies in Monahans who will return price quotes for your coverage. You don’t have to leave your house since price quotes are sent to the email address you provide. It doesn’t get any easier!
Deciding on an insurance agency requires more thought than just the premium amount. Agents should be asked these questions:
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they assist clients in filing claims?
- Do they review policy coverages at every renewal?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is their price quote a firm figure or are their hidden costs?
- Do the companies they represent have a solid financial rating?
- How long have they worked with personal auto insurance coverage?
- Do they feel the quoted coverages are adequate?
Captive or Independent: There is a difference
When researching local Monahans agents, you need to know there are two types of agencies that you can select. Agents are either captive or independent. Either one can insure your vehicles, but it’s worth mentioning how they differ because it can impact your selection of an agent.
Captive Insurance Agents
These agents are contracted to one company and examples are State Farm, Allstate and AAA. These agents are not able to compare other company’s rates so always compare other rates. Captive agents are usually quite knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Consumers frequently purchase coverage from captives mostly because of the brand legacy and the convenience of having all coverages with one company.
Independent Agents
Independent insurance agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies. When comparing rates, it’s recommended you include at a minimum one independent agency for maximum quote selection. They also have the ability to place coverage with different regional companies which can save you money.
The following are independent insurance agents in Monahans that are able to give price quote information.
- Woodmen Of The World Insurance – 2409 S Betty Ave – Monahans, TX 79756 – (432) 943-4390
- GRS Agency – 303 S Allen Ave – Monahans, TX 79756 – (432) 943-7511
- Germania Insurance – 918 S Stockton Ave – Monahans, TX 79756 – (432) 943-5333
For a complete listing of licensed insurance agents in Monahans, please click here.
After receiving reasonable responses to these questions and a low price estimate, you have narrowed it down to an auto insurance agent that will properly insure your vehicles.
Can I save by buying online?
Insurance agencies are important to many people, but you also have the option of buying Texas car insurance from companies direct over the internet. Some companies who employ agents additionally provide the ability to get quotes and purchase online, so keep that in mind and can also potentially find you lower rates.
If you’re anxious about not getting advice from an agent, that shouldn’t be an issue. Online insurance companies have toll-free phone numbers and other options for getting questions answered.
Can you find lower rates online? The answer to that question is complicated because there are many components that determine the price you pay. It’s often assumed that shopping online for auto insurance saves money by not requiring a commission. But in most cases, getting their brand in front of customers is expensive so the rates may be similar to buying from an agent.
Better coverage you can count on
Low-cost auto insurance can be purchased from both online companies in addition to many Monahans insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide online price quotes and these small, regional companies work with independent agents.
People who switch companies do it for many reasons like an unsatisfactory settlement offer, extreme rates for teen drivers, unfair underwriting practices or even lack of trust in their agent. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.
To find out more about Texas auto insurance
Additional detailed information can be read at the Texas Department of Insurance website. Consumers can read consumer alerts, read state legal mandates and laws, learn about specific coverages, and find a variety of consumer forms.