When finding an insurance agent in Victoria, Texas, we recommend you begin your search by comparing rates online instead of calling around. For the sake of this article, we’ll assume that not only do you want a decent agent, but also the lowest possible price.
With companies like American Family, Allstate, State Farm and Farmers all competing for your business, consumers have a hard time knowing which will have the lowest rates and best service. Fortunately, consumers can use online quoting to build a list of agents to choose from.
Neighborhood insurance agents
Licensed agents can point out coverage gaps and give you peace of mind. The best thing about getting online price quotes is that you can obtain lower rates and still have an agent to talk to. Supporting local businesses is important especially in Victoria.
By using this quick form, the coverage information is sent to insurance agents in Victoria who will give you bids for your insurance coverage. You won’t need to drive around due to the fact that quote results will go to the email address you provide. Now that’s easy! It’s the lowest rates without the usual hassles of price shopping.
Do you need an independent or captive auto insurance agent?
If you’re trying to find a good Victoria insurance agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Agents can either be captive or independent.
Independent Agents
Independent insurance agents do not work for one specific company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency. When comparing rates, you should always include price quotes from multiple independent agents for the best price selection.
Below is a short list of independent insurance agents in Victoria that can give you price quotes.
Russell Janecka Insurance – 2001 E Sabine St # 109 – Victoria, TX 77901 – (361) 573-4475
Jess B Williams Insurance – 1908 N Laurent St # 340 – Victoria, TX 77901 – (361) 572-8300
Frost Insurance Agency Inc – 1610 N Laurent St – Victoria, TX 77901 – (361) 578-3691
Captive Agents
Captive insurance agents have only one company to place business with and some examples include American Family, Liberty Mutual and AAA. These agents are not able to compare other company’s rates so always compare other rates. These agents are usually quite knowledgeable on the products they sell and that can be a competitive advantage.
Below is a list of captive insurance agents in Victoria that are able to give price quotes.
Allstate Insurance – 5003 John Stockbauer Dr # A – Victoria, TX 77904 – (361) 572-0612
Farm Bureau Insurance – 511 E Magruder Dr – Victoria, TX 77904 – (361) 578-3651
State Farm Insurance – 3602 N Navarro St # A – Victoria, TX 77901 – (361) 578-0581
Farmers Insurance Group – 8607 N Navarro St # D – Victoria, TX 77904 – (361) 579-9311
To view a full list of captive insurance agencies in Victoria, please go to this site.
Deciding on an insurance agent shouldn’t rely on just a low price. Ask your prospective agent these questions:
- Which company do they place the most coverage with?
- Does the agency support the community they serve?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How many years of experience in personal lines insurance coverages do they have?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
After getting positive responses for all questions you ask and a low price estimate, you have narrowed it down to an insurance agent that meets your needs to provide auto insurance coverage.
Keep your options open
Insurance agents are indespensible for some people, but Texas drivers can also buy direct online. Certain auto insurance companies who sell through agents in Victoria also allow you to get quotes and purchase online, and that can save time and can also potentially find you lower rates.
If you’re uncomfortable with having to choose coverages yourself when buying car insurance direct, that is normal but is not a big issue. Online companies that require consumers to choose their own coverages provide options to answer any questions you may have.
Is online auto insurance cheaper? The answer is complex since there are so many components that can increase policy rates. Some people will tell you that purchasing direct online saves the commission normally paid to an agent. But the fact is, advertising and marketing take a lot of money so there may not be significant savings.
Additional auto insurance information can be read on the website for the Texas Department of Insurance. Click here for link. Texas drivers can discover disciplinary actions, read consumer alerts, and get help finding coverage.
More comparisons equals lower rates
Budget-conscious auto insurance is definitely available online in addition to many Victoria insurance agents, so you should compare both to get a complete price analysis. Some insurance providers do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
As you restructure your insurance plan, it’s a bad idea to skimp on coverage in order to save money. In many cases, an insured cut collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.