To find a good insurance agent in Rio Grande City, TX, you can always start your search by getting online comparison quotes to save time. Consumers need a good agent, but also need the best possible price.
Online insurance companies like Progressive, GEICO and Farmers Insurance constantly blast consumers with fancy advertisements and it can be hard to avoid their marketing magic and take the time to shop coverage around.
Rio Grande City agents for auto insurance
Licensed agents can answer important questions and help you file claims. The biggest benefit of price shopping on the web is that you can obtain better rates and still choose a local agent.
By using this short form, the quote information gets sent to insurance agents in Rio Grande City who will compete for your insurance coverage. There is no reason to leave your house because quoted prices will be sent to the email address you provide. Now that’s easy! It’s the lowest rates AND a local agent.
Selecting a car insurance agent needs to be determined by more than just the premium amount. These questions are important to ask:
- How are claims handled?
- Does the agency have a good rating with the Better Business Bureau?
- Can they give you a list of client referrals?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Can glass repairs be made at your home?
- How much can you save by raising your physical damage deductibles?
- What insurance companies do they recommend if they are an independent agent?
- Does the agency provide any after hours assistance?
Different types of insurance agents in Rio Grande City
When searching for a local agent, you must know there are a couple types of agencies to choose from. Agencies in Rio Grande City are either independent (non-captive) or captive.
Agency Captives
Captive agencies have only one company to place business with like AAA, State Farm, Farmers Insurance and Allstate. They are unable to shop your coverage around so keep that in mind. They receive extensive training on the products they sell which helps them sell insurance even at higher premiums. Consumers often purchase coverage from captives partially due to the brand legacy and solid financial strength.
Below are captive insurance agencies in Rio Grande City that can give you rate quotes.
- Farm Bureau Insurance – 1924 W Us Highway 83 – Rio Grande City, TX 78582 – (956) 487-2181
- Allstate Insurance – 1205 W Main St # 2 – Rio Grande City, TX 78582 – (956) 488-0160
Independent Agents
These agents are not employed by any specific company but instead can place your coverage with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent.
When shopping rates, it’s a good idea to include price quotes from multiple independent agents for maximum quote selection. Most have the option of insuring with different regional companies who may have lower rates.
Shown below are independent agencies in Rio Grande City willing to provide price quotes.
- Castaneda’s Auto Insurance – 100 W 6th St – Rio Grande City, TX 78582 – (956) 487-7000
- Garza Insurance – 414 E Main St – Rio Grande City, TX 78582 – (956) 487-5555
For a full directory of Rio Grande City insurance agents, please go to this site.
Upon receiving reasonable responses for all questions you ask and a good coverage price, you’ve probably found an insurance agency that will properly service your auto insurance policy.
Can you save by buying online?
Professional insurance agents can be invaluable at times, but you also have the option of buying direct online. Even companies who employ agents also allow consumers to buy a policy online, and online price comparisons are easy if you’re trying to lower your rates.
If you’re concerned about not having an agent to talk to, that shouldn’t be an issue. Online companies have customer service departments for getting the best coverage. Also available are 24/7 live help and a car insurance FAQ section to make it easier to purchase.
Does coverage cost less online? That question is hard to answer since companies use quite a few components that impact your premium. It’s a common assumption that going direct prevents the agent from taking a cut. But the fact is, the cost of constant advertising is expensive and that can cost more than having to pay agents.
More detailed Texas auto insurance information can be found at the Texas Department of Insurance website. Visitors are able to download brochures, find a variety of consumer forms, and file complaints about a company.
Other informative sites include BankRate.com’s Car Insurance: When not to Skimp and this list of insurance agents in Rio Grande City, TX.
And the best car insurance company is…
As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice collision coverage only to find out that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage for the lowest price.
The cheapest auto insurance is possible both online in addition to many Rio Grande City insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some auto insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.