When trying to find a licensed insurance agent in Pharr, you can begin your search by comparing prices online rather than looking in the yellowpages. The chances are good you require not only an excellent agent, but you also want the lowest possible price.
With companies like American Family, Allstate, State Farm and Farmers having offices in Pharr, it’s difficult to determine which provider will give you the best service and rates. Fortunately, consumers can get online quotes to assemble a group of agencies and thier coverage prices.
How to buy car insurance from an agent in Pharr
Educated insurance agents can help determine the best coverages and give you peace of mind. One of the best bonuses of getting online price quotes is you can get the best rates and still choose a local agent. And providing support for local businesses is definitely important in Pharr.
Upon completion of this simple form, your coverage information gets sent to participating agents in Pharr who will give you bids for your business. You won’t need to leave your computer due to the fact that quote results will go straight to your inbox. How’s that for easy!
Do you need an independent or captive car insurance agent?
When searching for a good Pharr insurance agent, you need to know there are two different types of agents from which to choose. Agencies in Pharr are either captive or independent (non-captive). While both can insure your vehicles, but it’s good to learn how they differ because it can influence the type of agent you choose
Independent Agents
Independent agencies are not required to write business for one company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent.
When comparison shopping, we recommend you contact multiple independent agents to ensure the widest selection of prices.
Below are Pharr independent agencies that are able to give price quotes.
Bernardo Tito Ramirez Agency – 111 W Us Highway 83 – Pharr, TX 78577 – (956) 783-5000
Trevino Bob Insurance Agency – 1401 W Polk St – Pharr, TX 78577 – (956) 682-6831
Texas Low Cost Insurance Inc – 1101 N Cage Blvd # 2a – Pharr, TX 78577 – (956) 787-7565
Compere Insurance – 314 S Cage Blvd – Pharr, TX 78577 – (956) 787-4251
Agency Access Insurance – 5221 S Cage Blvd # B – Pharr, TX 78577 – (956) 783-9127
Captive Agents
Captive insurance agents write business for a single company such as Farmers Insurance or State Farm. These agents are unable to place coverage with different providers so they are skilled at selling on more than just price. Captive agencies receive extensive training on the products they sell which helps them compete with independent agents.
Below is a short list of captive insurance agents in Pharr who can help you get comparison quotes.
Farm Bureau Insurance – 507 E Expressway 83 – Pharr, TX 78577 – (956) 787-8844
Allstate Insurance – 1603 N Cage Blvd # 2 – Pharr, TX 78577 – (956) 702-4788
Farmers Insurance Group – 507 E Expressway – Pharr, TX 78577 – (956) 380-0739
State Farm Insurance – 702 W Expressway 83 # A – Pharr, TX 78577 – (956) 702-4200
To view a complete directory of captive insurance agents in Pharr, please go to this site.
Picking an auto insurance agent should depend on more than just a cheap price. Here are some questions to ask:
- If your car is totalled, how to they determine the replacement cost?
- Did they already check your driving record and credit reports?
- Are they properly licensed to sell insurance in Texas?
- What insurance company do they write the most business with?
- Are they full-time agents?
- Is assistance available after office hours?
Once you have positive responses to your questions and locked in a price quote, you have narrowed it down to an insurance agent that meets your needs to adequately provide car insurance.
Can you buy online and save?
Licensed agents serve a purpose, but Texas consumers also have the option to buy direct online. Some companies who sell through agents in Pharr also allow you to buy direct on their websites, and that can save time if the lowest rate is your goal.
If you’re worried about not getting proper coverage when shopping online, this really isn’t an issue. Auto insurance companies have customer service departments to walk you through the process.
Does it save money buying online? It’s difficult to say for sure due to the fact that there are many factors that determine your policy premium. Many people think that purchasing direct online saves the commission normally paid to an agent. In many cases, advertising and marketing take a lot of money so there may not be significant savings.
Additional consumer information websites
Much more information about car insurance in Texas is located on the website for the Texas Department of Insurance found here. Consumers can find disaster information, file complaints about a company, and learn about specific coverages.
Affordable insurance is out there
The cheapest car insurance is available online and also from your neighborhood Pharr agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
Drivers leave their current company for any number of reasons including poor customer service, delays in responding to claim requests, extreme rates for teen drivers or policy non-renewal. No matter why you want to switch, finding a new car insurance company can be less work than you think.