When pricing car insurance in El Paso, choosing the right El Paso auto insurance agent is harder than just randomly choosing from the yellow pages. You require a friendly agent and also the best possible rates.
You have multiple auto insurance agents to purchase coverage from and though it is a good thing to have multiple companies, it makes it harder to adequately compare rates.
Online price comparisons from El Paso agents
Licensed agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of comparing insurance prices online is you may find lower rates but still work with a licensed agent.
After filling out this short form, the quote information is emailed to local insurance agents in El Paso who will return price quotes for your coverage. There is no need to leave your house since price quotes are sent immediately to your email address. How cool is that?! Get lower rates and an insurance agent to talk to.
Deciding on an insurance agency requires more thought than just a cheap price. Here are some questions to ask:
- If you have an accident, will your rates go up?
- What will you get paid if your car is a total loss? How is that amount determined?
- Are they full-time agents?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How often do they review policy coverages?
Two different types of auto insurance agents
When looking for a reputable insurance agent or broker, there are a couple of different types of agents that differ in how they insure your property. Agents are classified as either captive or independent (non-captive).
Captive Insurance Agents
This type of agents are contracted to one company and some examples include State Farm, Allstate and AAA. These agents are not able to give you multiple price quotes so always compare other rates. They are well schooled on their company’s products which helps them sell insurance even at higher premiums.
Below is a short list of captive insurance agents in El Paso who can help you get price quotes.
State Farm Insurance – 11040 Montwood Dr # 603 – El Paso, TX 79936 – (915) 591-9999
Farm Bureau Insurance – 630 N Americas Ave – El Paso, TX 79907 – (915) 858-1026
Liberty Mutual Insurance – 4120 Rio Bravo St # 115 – El Paso, TX 79902 – (915) 590-2252
Allstate Insurance – 4747 Hondo Pass Dr # A – El Paso, TX 79904 – (915) 751-1099
Farmers Insurance Group – 129 Thunderbird Dr – El Paso, TX 79912 – (915) 584-5464
Independent Agencies or Brokers
Independent agencies do not work for one specific company so they have the ability to put 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 that require little work on your part. When comparison shopping, you should always contact multiple independent agents for maximum quote selection.
Shown below is a list of independent insurance agencies in El Paso that can give you comparison quotes.
T L Watrous Agency – 10001 Kellogg St – El Paso, TX 79924 – (915) 759-8575
Chris Garcia Agency – 5857 N Mesa St – El Paso, TX 79912 – (915) 845-0600
Gillett Insurance – 205 1st St – El Paso, TX 79901 – (915) 886-2266
Adastra Insurance and Financial – 1522 Montana Ave – El Paso, TX 79902 – (915) 532-2333
For a complete listing of car insurance agents in El Paso, please go to this site.
Once you have received answers to your satisfaction for all questions you ask and locked in a price quote, most likely you have located an insurance agent that can adequately provide car insurance.
Learn more about car insurance in Texas
More detailed Texas car insurance information can be read at the Texas Department of Insurance website. Consumers can read industry bulletins, learn about insurance regulations, find a variety of consumer forms, and view agent and company licensing information.
People change insurance companies for many reasons like not issuing a premium refund, high prices, unfair underwriting practices and even lack of trust in their agent. Regardless of your reason, choosing a new insurance company is not as hard as you think.
Cheaper car insurance can be bought from both online companies in addition to most El Paso insurance agents, so compare prices from both to have the best rate selection. Independent agents can write coverage with small mutal insurance companies who do not offer you the ability to get quotes online.