If you’re looking for an insurance agent in Cibolo, Texas, you can begin your search by getting online comparison quotes instead of making phone calls. Chances are good you require not only a great agent that can assess your needs, but you also want to find affordable coverage.
With companies like Allstate, Farmers and State Farm as well as independent agents having offices in Cibolo, consumers have a hard time knowing which one will provide the lowest rates and best service. Thankfully, consumers can use online price quotes in order to build a list of agencies and price estimates.
Save time by quoting online
Licensed agents are trained to spot inefficiencies and help you file claims. One of the great benefits of price shopping on the web is you may find better rates and still have an agent to talk to. Buying from local insurance agencies is important especially in Cibolo.
Once you complete this simple form, your insurance coverage information is transmitted to local insurance agents who will battle for your coverage. You won’t need to visit any agencies since price quotes are sent to your email. It doesn’t get any easier!
Cibolo auto insurance agents are either independent or captive
If you’re trying to find a good insurance agency, there are a couple of different agency structures that differ in how they can insure your vehicles. Agencies in Cibolo are either independent (non-captive) or captive. Either one can do a good job, but it’s important to know the difference between them because it can impact the selection process.
Independent Agents
Independent agencies are not employed by any specific company but instead can place your coverage amongst many companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency.
When searching for an agent, we recommend you contact multiple independent agents for the best price selection. They also have the ability to place coverage with different regional companies which can save you money.
The following are Cibolo independent insurance agencies who can help you get comparison quotes.
- Aaron Zamora Family Insurance – 700 W Fm 78 # 201 – Cibolo, TX 78108 – (210) 945-4500
Captive Agents
Captive agencies can only write with one company such as Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to compare other company’s rates so it’s a take it or leave it situation. Captive agencies are well schooled on their products and sales techniques which helps them compete with independent agents. Some people will only buy from captive agents mainly due to the prominence of the brand and strong financial ratings.
Deciding on a car insurance agent needs to be determined by more than just a low price. Agents should be asked these questions:
- If you have an accident, will your rates go up?
- How many years of experience in personal lines insurance coverages do they have?
- Do they feel the quoted coverages are adequate?
- Does the agency support the community they serve?
- Are claim adjusters local or do you have to take your car somewhere else?
- What insurance companies do they recommend if they are an independent agent?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Upon receiving positive responses to these questions and an affordable coverage quote, you’ve probably found an insurance agency that is a good match to properly insure your vehicles.
Online auto insurance companies
Professional insurance agents are a valuable resource, but you can also find affordable Texas auto insurance direct from companies that only sell online. Certain auto insurance companies, such as State Farm, Allstate and Farmers, that sell primarily through agents also give you the option to get quotes and purchase online, and consumers should do that to possibly find a better rate.
If you’re apprehensive about whether or not you’ll have guidance, don’t let it bother you. Insurance companies that require consumers to choose their own coverages have customer service departments for getting questions answered.
Will auto insurance cost less online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say due to the fact that there are multiple individual factors that determine the price you pay. Common logic is that buying online saves money by not requiring a commission. But the fact is, advertising budgets are huge and those expenses can offset most of the savings by selling direct.
Texas insurance information
More information is located on the Texas Department of Insurance website found here. Texas consumers can download brochures, view a list of available companies, and discover disciplinary actions.
Also read more on BankRate.com’s Car Insurance: When not to Skimp and CarInsuranceDIY.com.
Compare but don’t skimp
Affordable car insurance is definitely available from both online companies as well as from independent agents in Cibolo, and you should compare price quotes from both in order to have the best price selection to choose from. Some car insurance companies don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.
When you buy insurance online, you should never buy poor coverage just to save money. Too many times, consumers will sacrifice liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at an affordable rate while still protecting your assets.