If you’re looking for a good Silver City agent, it’s recommended you begin your search by comparing prices online to save yourself time. It’s assumed that not only do you want an excellent agent, but you also need the lowest possible price.
With companies like Allstate, Farmers and State Farm as well as independent agents all competing for your business, it’s difficult to determine which provider will provide you with the lowest rates and best service. To help decide, you can use insurance quotes online to get a list of agents and thier coverage prices.
Compare Silver City agent rates online
Professional agents can help determine the best coverages and help in the event of a claim. One of the great benefits of getting online price quotes is the fact that you can find better rates but still work with a licensed agent. And supporting local businesses is important particularly in Silver City.
After completing this form (opens in new window), your coverage information is submitted to participating agents in Silver City who will give you bids for your business. You never need to even leave your home as quotes are delivered to your email. It doesn’t get any easier!
Different types of auto insurance agents in Silver City
When finding a good insurance agency, there are two different types of agents to choose from. Agencies in Silver City are categorized either independent (non-captive) or captive. Both types can insure your vehicles, but it’s important to know how they differ because it can influence the type of agent you choose
Independent Agents
Independent insurance agents are not required to write business for one company but rather can write business with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies.
When comparing rates, it’s recommended you include at a minimum one independent agency to get the best comparison.
Listed below are independent agencies in Silver City that may be able to provide comparison quotes.
Farm Bureau Insurance – 4505 Highway 180 E – Silver City, NM 88061 – (505) 538-5864
Peters Agency Insurance – 601 E 19th St – Silver City, NM 88061 – (505) 538-3787
Hotchkiss Insurance – 301 N Bullard St – Silver City, NM 88061 – (505) 388-2257
Captive Insurance Agents
These agents can only write with one company and some examples include State Farm, AAA and Liberty Mutual. They usually cannot give you multiple price quotes so keep that in mind. These agents are trained well on their products and sales techniques which helps them sell insurance even at higher premiums.
Below is a list of captive insurance agents in Silver City willing to provide price quote information.
State Farm Insurance – 502 Silver Heights Blvd – Silver City, NM 88061 – (505) 388-1969
Farm Bureau Insurance – 4505 Highway 180 E – Silver City, NM 88061 – (505) 538-5864
Farmers Insurance Group – 315 S Hudson St # 2 – Silver City, NM 88061 – (505) 538-2941
Allstate Insurance – 1015 N Hudson St # 1 – Silver City, NM 88061 – (505) 538-3744
To view a full list of captive insurance agencies in Silver City, click here to link.
Choosing an auto insurance agent should depend on more than just the bottom line cost. These questions are important to ask:
- Which company do they place the most coverage with?
- How long has their agency been open in Silver City?
- Do they have any clout with companies to ensure a fair claim settlement?
- Is vehicle damage repaired with OEM or aftermarket parts?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- What insurance companies do they recommend if they are an independent agent?
- Is assistance available after office hours?
Upon receiving reasonable responses for all questions you ask and an affordable coverage quote, you may have just found an insurance agent that will service your policy.
Is buying direct online an option?
Professional insurance agents serve a purpose, but you also have the option of buying New Mexico car insurance directly from online companies. Some car insurance companies, such as State Farm, Allstate and Farmers, who have local agents in Silver City additionally provide the ability to buy direct on their websites, and that can save time if you prefer to buy online.
If you’re worried about whether or not you’ll have guidance when buying online, this is normal but is quickly overcome. Online companies all provide contact methods to help you decide which coverages are appropriate. You may also access a frequently asked questions page to make it easier to purchase.
Can buying online lower your premiums? It’s hard to say exactly because of the fact that insurance companies use many factors that impact your rate calculation. Some people will tell you that buying directly from the company saves money because there is no agent involvement. For the majority of companies, however, there are high advertising and marketing costs and that can quickly cost more than paying an agent.
If you’re not set on any one company, the best way to find out who has the best deal, local agents or online insurance companies, is to get free quotes from both and compare them. It’s fairly common that you receive different coverage costs from the same company depending on if you quote online or with their agents. It’s difficult to tell which is cheaper without getting separate quotes from both.
Summing up your car insurance search
Drivers who switch companies do it for a number of reasons such as not issuing a premium refund, policy cancellation, poor customer service or questionable increases in premium. It doesn’t matter why you want to switch switching car insurance companies can be less work than you think.
While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. There are many occasions where an accident victim reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.
New Mexico car insurance information
More information is available on the website for the New Mexico Insurance Division located here. Consumers can view a list of available companies, read consumer alerts, read enforcement actions against agents and companies, and download brochures.
The articles below may also help you learn more about car insurance in Silver City
