If you’re trying to find an insurance agent in San Antonio, you can do an initial search online to save yourself time. Consumers need a competent licensed agent but also the best possible price.
Multiple insurance agencies compete for your hard-earned dollar, and it can be difficult to compare rates to find the absolute best rates possible.
How to compare San Antonio car insurance rates
Educated insurance agents can point out coverage gaps and help file insurance claims. One of the best bonuses of getting online price quotes is you can get the best rates but also keep your business local.
Once you complete this quick form, the quote information is submitted to local insurance agents who will compete to get your business. There is no reason to visit any agencies because quoted prices will be sent directly to your email. You can find better rates AND an agent nearby.
Picking an insurance agent shouldn’t rely on just the bottom line cost. These questions are important to ask:
- Do the coverages you’re quoting properly cover your vehicle?
- How are claims handled?
- Are you getting all the discounts the company offers?
- How much will you save each year by using a higher deductible?
- What insurance company do they write the most business with?
- What insurance companies do they work with?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Which insurance company do they recommend?
Two different types of auto insurance agents
When finding a good insurance agency, you need to know there are two different agency structures that you can select. Agencies in San Antonio can either be independent or captive.
Captive Agents
Captive agencies write business for a single company such as Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to shop your coverage around so it’s a take it or leave it situation. Captive agencies receive extensive training on their products and sales techniques which can be an advantage.
Listed below is a list of captive agencies in San Antonio that can give you price quote information.
State Farm Insurance – 8015 Bandera Rd # 102 – San Antonio, TX 78250 – (210) 680-6557
Farm Bureau Insurance – 2391 NE Loop 410 – San Antonio, TX 78217 – (210) 656-2200
Liberty Mutual Insurance – 13750 N Us Highway 281 – San Antonio, TX 78232 – (210) 490-4473
Farmers Insurance Group – 3800 Blanco Rd – San Antonio, TX 78212 – (210) 949-1200
Allstate Insurance – 14149 Nacogdoches Rd – San Antonio, TX 78247 – (210) 650-9771
Independent Agents
Independent agencies are not required to write business for one company but rather can write business amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally without you having to go to a different agency. When comparing rates, it’s recommended you include at a minimum one independent agency to get the best comparison.
The following are San Antonio independent agents willing to provide comparison quotes.
Steve Lippe Insurance – 800 NW Loop 410 – San Antonio, TX 78216 – (210) 348-6889
James Harold Agency – 5711 Ponderosa Dr – San Antonio, TX 78240 – (210) 684-3460
Belmart Insurance Agency – 6836 San Pedro Ave – San Antonio, TX 78216 – (210) 375-8580
To view a complete directory of licensed insurance agents in San Antonio, please click here.
Once you have received reasonable responses to any questions you have and an affordable coverage quote, you’ve probably found an auto insurance agent that meets your needs to properly service your car insurance policy. But keep in mind you can always terminate your policy whenever you wish so never feel you are locked into the car insurance policy for any length of time.
Your coverage should be tailored to you
When buying proper insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions might point out if your insurance needs might need professional guidance.
- Can I afford to buy a different vehicle if my vehicle is totaled?
- Can I rate high risk drivers on liability-only vehicles?
- Should I rate my vehicle as pleasure use or commute?
- When does my teenage driver need to be added to my policy?
- Does medical payments coverage apply to all occupants?
- What is the difference between comprehensive and collision coverage?
- Is rental equipment covered for theft or damage?
- Why am I be forced to buy a membership to get insurance from some companies?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent.