Selecting a car insurance company in Kingsville, Texas can be time consuming since picking a good Texas insurance agency takes more work than just making a phone call. The chances are good you’re wanting a professional licensed agent, but also the best rates possible.
With insurance companies like American Family, Allstate, State Farm and independent agents all competing for business in Kingsville, it’s hard to tell which one will provide you with the lowest rates and best service. Fortunately, it’s easy to use insurance quotes online in order to build a list of insurance agents and price estimates.
Neighborhood insurance agents
Good 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 the best rates but also keep your business local. Buying from local insurance agencies is important particularly in Kingsville.
To find an agent, once you fill out this simple form, your insurance coverage information is submitted to insurance agents in Kingsville who will return price quotes to get your business. You never need to drive around since price quotes are sent straight to your inbox. How’s that for easy! It’s the lowest rates AND a local agent.
Best insurance agency in Kingsville
When researching a reputable insurance agent or broker, you need to know there are two different types of agents from which to choose. Kingsville agents are categorized either independent (non-captive) or captive.
Independent Agents (or Brokers)
Independent insurance agents do not work for one specific company but rather can write business amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part.
When comparison shopping, it’s a good idea to contact at least one independent agent to have the most options to choose from.
Listed below is a list of independent agencies in Kingsville that may be able to provide competitive price quotes.
Swantner and Gordon Insurance – 203 S 10th St – Kingsville, TX 78363 – (361) 592-1232
Economy Insurance – 213 S 12th St – Kingsville, TX 78363 – (361) 592-1108
Agency Captives
Captive insurance agents write business for a single company like Farmers Insurance or State Farm. These agents are not able to 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.
Below are captive insurance agencies in Kingsville that can give you price quotes.
Allstate Insurance – 1313 E King Ave – Kingsville, TX 78363 – (361) 595-4323
Farmers Insurance Group – 529 E King Ave – Kingsville, TX 78363 – (361) 592-9325
Farm Bureau Insurance – 101 E County Road 2150 – Kingsville, TX 78363 – (361) 595-4101
State Farm Insurance – 814 E King Ave – Kingsville, TX 78363 – (361) 592-8568
For a full directory of car insurance agents in Kingsville, simply jump to this page.
Deciding on a car insurance agent needs to be determined by more than just a cheap price. Some important questions to ask are:
- Are there any discounts that you might be missing?
- How many years of experience in personal lines insurance coverages do they have?
- Can they give you a list of client referrals?
- Do they receive special compensation for putting your coverage with one company over another?
- How much can you save by raising your physical damage deductibles?
- Who are their largest clients?
- Do they review policy coverages at every renewal?
- Does the company allow you to choose your own collision repair facility?
Upon getting satisfactory answers to all your questions and an acceptable price quote, you’ve probably found an insurance agency that meets your needs to properly insure your vehicles.
Do online insurance companies have lower rates?
Auto insurance agents serve a purpose, but Texas car insurance can also be bought direct online. Some specific companies, such as State Farm, Allstate and Farmers, that sell primarily through agents also give you the ability to get a quote and buy online, and online price comparisons are easy if you don’t want to take the time to contact agents.
If you’re anxious about not getting proper coverage when buying direct, this really isn’t an issue. Online insurance companies have toll-free phone numbers and other options to walk you through the process.
Are online premiums lower? Whether or not you’ll save is impossible to say because there are a lot of things that impact your premium. It’s logical to say that a consumer who buys direct reduces premiums because there is no agent. For most companies selling online, however, advertising and marketing take a lot of money so this can offset any savings.
Much more information about car insurance in Texas can be found on the website for the Texas Department of Insurance. Click here for link. Visitors are able to discover disciplinary actions, find out which companies have the most complaints, get help finding coverage, and find a variety of consumer forms.
A little work can save a LOT of money
While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. Too many times, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage at the best price while still protecting your assets.
Discount car insurance is attainable both online and also from your neighborhood Kingsville agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.