Finding affordable San Angelo auto insurance can be a challenge for consumers not familiar with buying insurance online. People have so many options available that it can be a real hassle to compare prices in San Angelo.
Finding the best rates in San Angelo is not rocket science. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these methods. Texas drivers just need to know the best way to compare price quotes online.
Compare San Angelo Auto Insurance Costs
Reducing your insurance rates can be relatively painless. The only requirement is to spend a little time comparing rates online with multiple companies. This is very easy and can be done in a couple of different ways.
- One of the best ways to get quotes for comparison is to use a rate comparison form click here to open form in new window. This method prevents you from having to do separate quotes to each individual auto insurance company. A single, simple form gets you price quotes from many national carriers. This is by far the quickest method.
- A harder way to obtain and compare quotes online is to take the time to go to the website of each company to request a price quote. For examples sake, let’s say you want comparison quotes from State Farm, Progressive and Farmers. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why most consumers use the first method.
For a list of links to companies insuring cars in San Angelo, click here.
- The least efficient way of comparing rate quotes is to spend time driving to and from local San Angelo insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the professional advice of a local San Angelo agent. It is possible to comparison shop online but buy from a local insurance agent and we’ll talk about that later.
Which method you use is up to you, but be sure to compare exactly the same deductibles and coverage limits with every price quote. If you use different liability limits it will be very difficult to determine the lowest rate in San Angelo.
Are insurance agents a thing of the past?
A small number of people just want to visit with an insurance agent and there is nothing wrong with that. Insurance agents are trained to spot inefficiencies and help in the event of a claim. The biggest benefit of getting online price quotes is that you can obtain the best rates and still have an agent to talk to.
To find an agent, once you fill out this short form, the quote information is transmitted to companies in San Angelo who will battle for your business. You won’t need to even leave your home as quotes are delivered straight to your inbox. How’s that for easy!
Selecting an insurer requires more thought than just a cheap price. These questions are important to ask:
- Do they feel the quoted coverages are adequate?
- Do they have any clout with companies to ensure a fair claim settlement?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is working in the agency their full-time job?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Does the company allow you to choose your own collision repair facility?
- Can they give you a list of client referrals?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
Do you need an independent or captive insurance agent?
When researching a good insurance agency, there are two types of insurance agents that you can select. Agents are either independent or captive. Either one can insure your vehicles, but it’s important to know the difference between them because it can impact your selection of an agent.
Captive Insurance Agents
These agents can only place business with one company like State Farm, AAA and Liberty Mutual. These agents are unable to place coverage with different providers so keep that in mind. Captive agents are trained well in insurance sales which can be an advantage. Consumers sometimes choose to use a captive agent mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.
Shown below are captive insurance agents in San Angelo willing to provide rate quotes.
- Allstate Insurance – 3402 Green Meadow Dr # C – San Angelo, TX 76904 – (325) 947-1644
- Farmers Insurance Group – 2023 W Beauregard Ave – San Angelo, TX 76901 – (325) 942-9466
- State Farm Insurance – 1820 College Hills Blvd – San Angelo, TX 76904 – (325) 942-7595
Independent Agents (or Brokers)
These agents do not work for one specific company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency. When searching for an agent, you should always contact at a minimum one independent agency to have the most options to choose from. Many write coverage with smaller regional carriers which can be an advantage.
Listed below are independent insurance agencies in San Angelo that are able to give comparison quotes.
- Texas Insurance – 40 W Twohig Ave – San Angelo, TX 76903 – (325) 486-9955
- Texas Star General Agency – 30 W Beauregard Ave # 2 – San Angelo, TX 76903 – (325) 659-5474
- Maverick Insurance – 1630 S Chadbourne St – San Angelo, TX 76903 – (325) 482-8600
- Mc Donald Agency – 3415 Johnson Ave – San Angelo, TX 76904 – (325) 949-4682
For a complete listing of licensed insurance agents in San Angelo, please go to this site.
Once you have positive feedback to your questions in addition to an acceptable price estimate, it’s possible that you found an insurance agent that can properly service your auto insurance policy.
More sites with auto insurance information
Additional detailed information is available at the Texas Department of Insurance website. Visitors are able to discover disciplinary actions, learn about insurance regulations, read enforcement actions against agents and companies, and view a list of available companies.