Five Minute Guide to Searching Online for a Laredo, TX Auto Insurance Agent

If you’re looking to buy car insurance, picking a good Texas auto insurance agent takes more work than just randomly choosing from the yellow pages. You need a competent insurance agent, and also competitive car insurance rates.

Insurance companies such as State Farm, Allstate, GEICO and Progressive all claim big savings, bombarding you with TV and radio ads and it is difficult to see through the cute green geckos and mayhem and find the best price available.

Quote online but work with a neighborhood agent

Agents can point out coverage gaps and give you peace of mind. One of the best bonuses of price shopping on the web is you can get lower rates but still work with a licensed agent.

To make it easy to find an agent, after completing this quick form, your information is sent to insurance agents in Laredo who will compete for your insurance coverage. You don’t have to even leave your home due to the fact that quote results will go to the email address you provide. It doesn’t get any easier! Get lower rates AND an agent nearby.

Deciding on a car insurance agent shouldn’t rely on just a low price. These are valid questions to ask:

  • Do they feel the quoted coverages are adequate?
  • Do they receive special compensation for putting your coverage with one company over another?
  • If they are an independent agency, which companies do they recommend?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do they regularly work with personal auto policies?

Insurance agencies in Laredo come in two varieties

When researching a good Laredo insurance agent, you must know there are a couple different types of agents from which to choose. Laredo agents are classified as either captive or independent.

Captive Agents

Captive agencies can only write with one company and some examples include American Family, State Farm and Allstate. They are unable to give you multiple price quotes so they are skilled at selling on more than just price. Captives are very knowledgeable on the products they sell and that can be a competitive advantage. Some consumers prefer to choose to use a captive agent primarily because of the prominence of the brand and the convenience of having all coverages with one company.

The following are captive insurance agents in Laredo who may provide you with comparison quotes.

  • Allstate Insurance – 709 Alta Vista Dr # 101 – Laredo, TX 78041 – (956) 726-4649
  • State Farm Insurance – 502 W Calton Rd # 104 – Laredo, TX 78041 – (956) 726-0547
Independent Agents

Independent agents do not work for one specific company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent.

When searching for an agent, it’s a good idea to contact several independent insurance agents to ensure the widest selection of prices. They often place coverage with smaller regional carriers which can save you money.

Listed below are Laredo independent agencies that are able to give rate quotes.

  • Insurance Quotes – 1820 San Bernardo Ave – Laredo, TX 78040 – (956) 727-8881
  • Fred Loya Insurance – 2335 E Saunders St # 4 – Laredo, TX 78041 – (956) 727-7777

For a complete listing of licensed insurance agents in Laredo, view this link.

Upon receiving positive responses to these questions and locked in a price quote, chances are good that you have found an insurance agent that will service your policy.

Online companies should also be compared

Car insurance agents are a valuable resource, but you can also find affordable Texas auto insurance from online companies direct. Even companies who employ agents also give you the ability to quote and buy online. This is something to consider if you prefer not to work with an agent.

If you’re worried about not having an insurance agent’s advice when buying online, this is a normal reaction for first-time shoppers. All companies that allow you to purchase coverage give you access to trained agents for customer questions. You may also access anytime access to help and a customer research section to help you answer questions.

Do customers save by switching to an online company? That question is hard to answer because there are many factors that influence the price you pay. Common logic is that shopping online for auto insurance prevents the agent from taking a cut. But that assumption is generally incorrect because marketing expenses are significant and that can quickly cost more than paying an agent.

More Texas car insurance resources

More detailed Texas car insurance information can be read at the Texas Department of Insurance website. Texas consumers can view agent and company licensing information, find out industry alerts, and find out which companies have the most complaints.

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More quotes mean more savings

Cheaper car insurance is available from both online companies as well as from independent agents in Laredo, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

Insureds switch companies for a number of reasons such as questionable increases in premium, an unsatisfactory settlement offer, high rates after DUI convictions and being labeled a high risk driver. No matter why you want to switch, finding the right car insurance provider can be easier than you think.