Comparing auto insurance rates in Mission can be a lot of work since picking a good Texas auto insurance agent is not as easy as just making a phone call. Consumers require a great agent that can assess your needs, but also need the best possible price.
Consumers have many car insurance agents to choose from, and though it is a good thing to have multiple companies, lots of choices makes it harder to find the lowest cost provider.
How to buy auto insurance from an agent in Mission
Educated insurance agents can point out coverage gaps and give you someone to call. The best thing about getting online price quotes is you may find the lowest rates and still choose a local agent.
To help locate an agent, after submitting this quick form, your information is instantly submitted to local insurance agents who will return price quotes to get your business. You won’t need to leave your house since price quotes are sent straight to your inbox. How cool is that?!
Selecting a car insurance agent needs to be determined by more than just the price. Any agent should be forthright in answering these questions:
- If you have an accident, will your rates go up?
- Does the agency provide any after hours assistance?
- How long have they worked with personal auto insurance coverage?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they feel the quoted coverages are adequate?
- Does the agency support the community they serve?
- How are claims handled?
Types of auto insurance agents in Mission
When finding a good Mission insurance agent, you need to know there are two different types of agents to choose from. Agents are categorized either captive or independent (non-captive). Both properly insure your vehicles, but it’s worth learning how they differ because it can impact buying decisions.
Agency Captives
These agents write business for a single company and some examples include State Farm, AAA and Liberty Mutual. Captives cannot compare other company’s rates so it’s a take it or leave it situation. Captives receive extensive training in insurance sales which helps them sell insurance even at higher premiums. Consumers frequently purchase coverage from captives primarily because of the prominence of the brand and the convenience of having all coverages with one company.
Below are captive agencies in Mission willing to provide price quote information.
- Allstate Insurance – 700 E Griffin Pkwy – Mission, TX 78572 – (956) 581-2739
Independent Insurance Agents
Independent insurance agents do not work for one specific company but instead can place your coverage with many different companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency.
When shopping rates, you should always get quotes from multiple independent agents to ensure the widest selection of prices. They also have the ability to place coverage with smaller regional carriers which can be an advantage.
Below is a list of independent insurance agencies in Mission that are able to give price quote information.
- Cardenas Agency – 122 E Griffin Pkwy # 3 – Mission, TX 78572 – (956) 581-0393
- Loya Fred Insurance – 1721 E Griffin Pkwy – Mission, TX 78572 – (956) 504-2344
- Moseley Insurance – 2409 E Griffin Pkwy # A – Mission, TX 78572 – (956) 585-0587
To view a complete directory of auto insurance agents in Mission, please click here.
Upon getting good answers to any questions you have in addition to an acceptable price estimate, chances are good that you have found an auto insurance agent that will properly insure your vehicles.
Include online companies when price shopping
Car insurance agents are a valuable resource, but you can also find affordable Texas auto insurance from online companies direct. Even companies like State Farm and Allstate who sell through the agent channel also give you the option to get a quote and buy online, so that should be considered if you prefer to buy online.
If you’re uncomfortable with not getting advice from an agent when buying online, don’t be too concerned. Insurance companies that require consumers to choose their own coverages provide customer service for answering any questions you have.
Can buying online lower your premiums? It’s hard to say exactly because of the number of factors that determine the price you pay. You may think that buying car insurance online lowers rates due to not having any agent compensation. For the majority of companies, however, the cost of constant advertising is expensive so the rates may be similar to buying from an agent.
In conclusion
People leave their current company for a variety of reasons including an unsatisfactory settlement offer, questionable increases in premium, lack of trust in their agent or denial of a claim. It doesn’t matter why you want to switch switching auto insurance companies is not as difficult as it may seem.
Cheaper auto insurance can be found both online and with local Mission insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
Consumer auto insurance information in Texas
Additional detailed information is located at the Texas Department of Insurance website. Texas consumers can read industry bulletins, read state legal mandates and laws, and find disaster information.