When searching for an insurance agent in Roma, Texas, we recommend you start your research by comparing rates online instead of making phone calls. It’s assumed you require not only a good agent that listens to you, but you also want to find affordable coverage.
With Farmers, Allstate, and independent agents all competing for your business, it’s hard to tell which provider will provide the cheapest rates and the best coverage. Thankfully, consumers can use online price quotes in order to build a list of agents and thier coverage prices.
Local Roma agents and auto insurance
Good agents are trained to spot inefficiencies and give you peace of mind. The best thing about getting online price quotes is that you can obtain the best rates but still work with a licensed agent. And supporting local insurance agencies is especially important in Roma.
By using this form (opens in new window), the coverage information is sent to companies in Roma who will battle for your coverage. There is no reason to leave your house as quotes are delivered to your email. It doesn’t get any easier!
Insurance agencies in Roma come in two varieties
When researching a reputable insurance agent or broker, there are two different types of agents to choose from. Agencies in Roma can either be independent or captive. Both types can write coverage properly, but it’s important to know how they differ because it can impact your agent selection.
Independent Agencies or Brokers
Independent agencies are not employed by any specific company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and you don’t have to find a new agent.
When searching for an agent, it’s recommended you get quotes from at a minimum one independent agency to ensure the widest selection of prices. They often place coverage with smaller regional carriers who may have lower rates.
Shown below is a short list of independent insurance agencies in Roma who may be able to give you competitive price quotes.
- Amco Insurance – 2787 E Grant St – Roma, TX 78584 – (956) 849-4999
- Horace Mann Insurance Co – 108 S Rancho Nuevo Ave – Roma, TX 78584 – (956) 849-5773
Captive Insurance Agents
Captive insurance agents write business for a single company and examples are State Farm, Allstate and AAA. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. Captive agencies are very knowledgeable in insurance sales which helps them sell insurance even at higher premiums. Some people will only choose to use a captive agent mainly due to the brand legacy and the convenience of having all coverages with one company.
Choosing an auto insurance agent requires more thought than just a cheap price. Some important questions to ask are:
- Do they specialize in personal lines coverage?
- If you have an accident, will your rates go up?
- Do they have any clout with companies to ensure a fair claim settlement?
- What are the financial ratings for the companies they represent?
- If your car is totalled, how to they determine the replacement cost?
- Do they assist clients in filing claims?
Once you have good answers to any questions you have and an acceptable price quote, chances are good that you have found an insurance agent that is a good match to properly insure your vehicles.
Consider all the options when buying car insurance
Insurance agents are indespensible for some people, but you can also find affordable Texas auto insurance direct from companies that only sell online. Even companies who sell through agents in Roma also permit you to buy direct online. This is something to consider.
If you’re concerned about having to choose coverages yourself when buying direct, this really isn’t an issue. Online insurance companies provide toll-free numbers for getting advice on proper coverages. Also available are extensive coverage information and 24/7 assistance that can help answer basic questions.
If you’re not set on any one company, the best way to find out who has the best rates, online companies or local insurance agents, is comparing rate quotes from both. Lots of times people will get different prices from exactly the same company from their agents and their website. You won’t know if the company’s rates are lower online or from an agent unless free rate quotes are compared each way.
Is pricing better online? It’s difficult to say for sure since there are many things that determine your policy premium. It’s a common assumption that purchasing direct online saves money because there is no commission. For the majority of companies, however, there are high advertising and marketing costs and this drives up their premium costs.
Much more information about auto insurance in Texas can be found on the Texas Department of Insurance website through this link. Consumers can learn about insurance regulations, read consumer alerts, find a variety of consumer forms, and read state legal mandates and laws.
Additional helpful sites include NAIC.org’s Understanding your Policy and this page for help finding agents in Roma, TX.
More effort can pay off
People who switch companies do it for many reasons like unfair underwriting practices, policy cancellation, extreme rates for teen drivers or not issuing a premium refund. Regardless of your reason for switching companies, switching auto insurance companies is pretty easy and you might even save some money in the process.
When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, an insured cut physical damage coverage only to regret that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.