To locate a good San Juan agent, we recommend you start your search on the internet instead of calling around. You require a good agent, but also need the cheapest rates you can possibly find.
Insurance companies such as Allstate, Progressive and GEICO constantly blast consumers with TV and radio ads and it is difficult to see past the geckos and flying pigs and find the best price available.
How to buy auto insurance from an agent in San Juan
Professional agents can help determine the best coverages and give you someone to call. One of the great benefits of price shopping on the web is that you can obtain better rates but also keep your business local.
To find an agent, once you fill out this form (opens in new window), your information is emailed to insurance agents in San Juan who will compete to get your business. There is no reason to drive around since price quotes are sent immediately to your email address. It doesn’t get any easier! You can find the lowest rates and an insurance agent to talk to.
Deciding on a car insurance agent should depend on more than just a low price. Any agent should have no problem answering these questions:
- What are the financial ratings for the companies they represent?
- Can they provide you with a list of referrals?
- Who is covered by the car insurance policy?
- Does the company allow you to choose your own collision repair facility?
- How long have they worked with personal auto insurance coverage?
- If you have an accident, will your rates go up?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Choose the right auto insurance agent
When searching for local San Juan agents, you need to know there are two types of insurance agents that you can select. Insurance agencies in San Juan are either captive or independent (non-captive).
Captive Agents
Captive insurance agents can only write with one company like Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to give you multiple price quotes so always compare other rates. They are trained well on their company’s products and that can be a competitive advantage. Consumers frequently purchase coverage from captives mostly because of loyalty to the company and solid financial strength.
Shown below are captive insurance agents in San Juan willing to provide price quotes.
- Farmers Insurance Group – 400 W Expressway 83 – San Juan, TX 78589 – (956) 787-4269
Independent Agents (or Brokers)
Independent agencies are not locked into one company so they can insure your vehicles with many different companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies.
When shopping rates, it’s a good idea to contact multiple independent agents to have the most options to choose from. Most have the option of insuring with smaller companies which can save you money.
Shown below is a list of independent agencies in San Juan who can help you get price quote information.
- Juan Manuel Martinez Insurance – 912 Citrus St – San Juan, TX 78589 – (956) 787-4661
- United Trust Insurance – E Highway 83 – San Juan, TX 78589 – (956) 702-9082
For a complete listing of San Juan insurance agents, go to this page.
Upon getting positive responses to all your questions and a low price estimate, you may have just found an insurance agent that is a good match to properly insure your vehicles.
Isn’t it cheaper to buy from online companies like GEICO?
Auto insurance agents can be invaluable at times, but Texas drivers can also buy from companies direct over the internet. Some car insurance companies who have local San Juan agents also give you the option to quote and buy online, and that can save time if you prefer not to work with an agent.
If you’re uneasy about having to choose coverages yourself, that shouldn’t be an issue. Insurance companies have toll-free phone numbers and other options for answering any questions you have.
Does car insurance cost less online? Many people think so, but it’s hard to say for sure because there are many components that influence the price you pay. Some people think that a customer who purchases direcly from an online company saves money because there is no commission. For most online online companies, however, advertising budgets are huge so rates may not be all that different from traditional agents.
More quotes mean more savings
Drivers leave their current company for a number of reasons such as unfair underwriting practices, denial of a claim, policy non-renewal or extreme rates for teen drivers. Regardless of your reason for switching companies, finding the right auto insurance provider is not as difficult as it may seem.
Cheap auto insurance is attainable both online as well as from independent agents in San Juan, so you should compare both in order to have the best price selection to choose from. There are still a few companies who don’t offer online quoting and usually these smaller companies provide coverage only through local independent agents.
Learn more today
Even more information is available at the Texas Department of Insurance website. Visitors are able to file complaints about an insurance agent or broker, find out which companies have the most complaints, and read enforcement actions against agents and companies.