When searching for an insurance agent in Edinburg, TX, we recommend you do an initial search using online quotes instead of calling around. Consumers require a competent insurance agent, but also need competitive car insurance rates.
With consumers having so many options, it’s difficult to pick the lowest price provider.
Price shop online but buy from a local Edinburg agent
Professional agents can help determine the best coverages and help submit paperwork. The biggest benefit of comparing insurance prices online is that you can obtain better rates but still work with a licensed agent.
After completing this simple form, your coverage information is sent to agents in your area who will give you bids for your insurance coverage. You don’t have to leave your house because quoted prices will be sent to your email. It doesn’t get any easier! You can find the lowest rates and work with a local agent.
Choosing a car insurance agent shouldn’t rely on just a low price. Any agent should be forthright in answering these questions:
- Do they assist clients in filing claims?
- Does the agency provide any after hours assistance?
- Are claims handled at the agent’s location?
- Do they review policy coverages at every renewal?
- Do they feel the quoted coverages are adequate?
The different types of insurance agents
When searching for local Edinburg agents, there are a couple of types of agencies that you can select. Edinburg agents are categorized either independent or captive.
Captive Agents
This type of agents work for only one company such as Allstate, AAA, Liberty Mutual and State Farm. They are unable to give you multiple price quotes so they have to upsell other benefits. Captive agents are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers often buy insurance from these agents primarily because of the prominence of the brand and solid financial strength.
Listed below is a list of captive insurance agents in Edinburg that can give you rate quotes.
- Allstate Insurance – 917 S Closner Blvd – Edinburg, TX 78539 – (956) 380-0391
- Farmers Insurance Group – 506 W University Dr # B – Edinburg, TX 78539 – (956) 289-8105
Independent Agencies or Brokers
Independent agents are not employed by any specific company so they can insure your vehicles with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house and that require little work on your part.
When searching for an agent, we recommend you get quotes from multiple independent agents for the best price selection. Most have the option of insuring with smaller regional carriers which may provide better rates.
Below are independent insurance agents in Edinburg willing to provide price quote information.
- Phoenix Agency – 2356 E Freddy Gonzalez Dr – Edinburg, TX 78539 – (956) 292-8007
- Iam Insurance – 2101 Remington Ave – Edinburg, TX 78539 – (956) 316-3800
- B and B Insurance – 1018 S Closner Blvd – Edinburg, TX 78539 – (956) 287-2700
To view a full list of insurance agents in Edinburg, visit this site.
Upon getting acceptable answers as well as a affordable price, most likely you have located an insurance agent that can adequately provide car insurance.
Also consider buying direct
Local insurance agents are indespensible for some people, but you also have the option of buying Texas car insurance from companies direct over the internet. A few companies like Allstate and State Farm who have local agents in Edinburg also let you get quotes and purchase online, and that can save time if the lowest rate is your goal.
If you’re uncomfortable with choosing your own coverages when buying online, that is normal but is not a big issue. Online companies that allow you to purchase coverage give you access to trained agents for getting the best coverage.
Is auto insurance cheaper online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there may be dozens of rate factors that can increase policy rates. It would make sense to think that purchasing direct online prevents the agent from taking a cut. But that assumption is generally incorrect because getting their brand in front of customers is expensive and that can cost more than having to pay agents.
More detailed Texas car insurance information can be read at the Texas Department of Insurance website. Texas consumers can get help finding coverage, download brochures, and file complaints about a company.
Smart shoppers get results
The cheapest car insurance is available from both online companies and with local Edinburg insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.
As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to find out that it was a big mistake. Your aim should be to get the best coverage possible at the best price, not the least amount of coverage.
