When pricing auto insurance in Laredo, you have many choices and selecting the best Laredo car insurance agent for your needs is harder than just making a phone call. You require a professional agent and also want to find the best possible rates.
Drivers have multiple insurance agencies to purchase coverage from and even though it’s nice to have a selection, it makes it harder to get the best deal.
Compare online but buy from a local Laredo agent
Licensed agents can answer important questions and help you file claims. One of the great benefits of comparing rates online is the fact that you can find lower rates but still work with a licensed agent.
After completing this short form, the coverage information is emailed to local insurance agents who will battle for your coverage. There is no need to visit any agencies since price quotes are sent immediately to your email address. How cool is that?! You’ll get the best rates AND an agent nearby.
Selecting an auto insurance agent requires more thought than just a cheap price. Here are some questions to ask:
- What is the agency’s Better Business Bureau rating?
- How much will you save each year by using a higher deductible?
- Are they full-time agents?
- Can they provide you with a list of referrals?
- How are they compensated?
Independent or Captive: It’s your choice
When finding a reputable insurance agent or broker, there are a couple of different types of agents from which to choose. Agents are either captive or independent (non-captive).
Captive Insurance Agents
This type of agents are contracted to one company and some examples include State Farm, AAA and Liberty Mutual. Captives cannot place coverage with different providers so they have no alternatives for high prices. These agents are well schooled on their company’s products and that can be a competitive advantage.
Shown below are Laredo captive insurance agents that can give you comparison quotes.
Allstate Insurance – 709 Alta Vista Dr # 101 – Laredo, TX 78041 – (956) 726-4649
State Farm Insurance – 3120 N Arkansas Ave – Laredo, TX 78043 – (956) 726-0493
Independent Agencies or Brokers
Independent insurance agents do not work for one specific company so they have the ability to put coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part.
When searching for an agent, you should always include price quotes from at a minimum one independent agency to have the most options to choose from.
Below is a list of independent insurance agencies in Laredo that are able to give rate quotes.
Henri D Kahn Insurance – 112 Del Ct # B – Laredo, TX 78041 – (956) 725-3936
Lozano Insurance – 519 E Gustavus St – Laredo, TX 78040 – (956) 725-2167
For a complete listing of licensed insurance agents in Laredo, please click here.
Upon getting acceptable answers to any questions you have and locked in a price quote, most likely you have located an insurance agent that meets your needs to properly insure your vehicles.
More detailed Texas auto insurance information can be found at the Texas Department of Insurance website. Consumers can read consumer alerts, find out industry alerts, and learn about insurance regulations.
One last thing about your coverage
Consumers who switch companies do it for a number of reasons such as extreme rates for teen drivers, denial of a claim, high rates after DUI convictions or questionable increases in premium. Whatever your reason, choosing a new insurance company is not as hard as you think.
Cheaper auto insurance can be purchased from both online companies and with local Laredo insurance agents, so compare prices from both in order to have the best prices to choose from. Independent agents work with many regional insurance providers that may not offer the ability to get a quote online.