How to Find the Best Insurance Agent in Corpus Christi, TX

When shopping for auto insurance, choosing the right Corpus Christi insurance agency is more difficult than just calling the closest agent. Consumers require a good professional insurance agent, but also the best possible price.

Online insurance companies like GEICO, Farmers Insurance and State Farm constantly bombard you with catchy ads and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there really is no perfect coverage plan. Each situation is unique so this has to be addressed. For instance, these questions might help in determining whether your personal situation may require specific advice.

  • What is the minimum liability in Texas?
  • Does coverage extend to a rental car in a foreign country?
  • Should I buy only the required Texas minimum liability coverage?
  • When do I need to add a new car to my policy?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What should my uninsured motorist coverage limits be in Texas?
  • Can I afford low physical damage deductibles?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent.

Price shop online but buy from a local Corpus Christi agent

Professional agents can help determine the best coverages and help in the event of a claim. The biggest benefit of comparing rates online is you may find better rates and still have an agent to talk to.

After completing this quick form, your insurance data is transmitted to local insurance agents in Corpus Christi who will give you bids for your business. You never need to leave your computer due to the fact that quote results will go to your email. How’s that for easy! You can find the lowest rates and an insurance agent to talk to.

Choosing an insurance agency shouldn’t rely on just a low price. Agents should be asked these questions:

  • Do they review policy coverages at every renewal?
  • Do they feel the quoted coverages are adequate?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • Is the agency involved in supporting local community causes?
  • Do the companies they represent have a solid financial rating?

Captive and independent Corpus Christi auto insurance agents

If you’re trying to find an insurance agent, you need to know there are two different types of agents from which to choose. Insurance agencies in Corpus Christi can either be captive or independent.

Agency Captives

This type of agents can only place business with one company like Liberty Mutual, Allstate, Farmers Insurance or State Farm. They are unable to shop your coverage around so keep that in mind. Captives receive extensive training on the products they sell which helps them sell insurance even at higher premiums.

Shown below are captive insurance agents in Corpus Christi that can give you price quote information.

Farm Bureau Insurance – 4925 Everhart Rd # 103 – Corpus Christi, TX 78411 – (361) 852-6016
Farmers Insurance Group – 5656 S Staples St # 102 – Corpus Christi, TX 78411 – (361) 993-3397
State Farm Insurance – 6019 S Staples St – Corpus Christi, TX 78413 – (361) 992-1148
Allstate Insurance – 6313 Wooldridge Rd # 6 – Corpus Christi, TX 78414 – (361) 986-0914

Independent Agents (or Brokers)

Independent agencies are not locked into one company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, an independent agent can move your coverage and that require little work on your part. When comparison shopping, it’s a good idea to get quotes from multiple independent agents to have the most options to choose from.

Shown below is a short list of independent agencies in Corpus Christi that can give you rate quotes.

Reed Agency – 13434 Leopard St – Corpus Christi, TX 78410 – (361) 241-6120
South Texas Insurance – 4753 Sierra Blanca Blvd – Corpus Christi, TX 78413 – (361) 850-8663
Tejas Auto Insurance – 4701 Ayers St # 104 – Corpus Christi, TX 78415 – (361) 814-0030
ACCC General Agency Svc – 5926 S Staples St # B4 – Corpus Christi, TX 78413 – (361) 906-9060
Dennis Trevino Agency – 6410 Weber Rd # 11d – Corpus Christi, TX 78413 – (361) 814-0123

For a complete listing of licensed insurance agents in Corpus Christi, please click here.

Upon receiving good answers to these questions and an acceptable price quote, you have narrowed it down to an insurance agent that is a good match to properly service your auto insurance policy.

Is buying direct online an option?

Local insurance agents can be invaluable at times, but Texas drivers can also buy direct over the internet. Even companies who have local agents in Corpus Christi also give you the ability to quote and buy online, so that should be considered if the lowest rate is your goal.

If you’re apprehensive about not having someone to ask questions when shopping online, don’t sweat it. Car insurance companies that allow you to purchase coverage provide options to answer your questions. Consumers also can use anytime access to help and a customer research section to help you make a buying decision.

Are online rates lower? The answer is complex due to the large number of individual components that determine your policy premium. Many people think that shopping direct saves the cost of an agent commission. But that assumption is generally incorrect because marketing their products costs a lot of money and those expenses can offset most of the savings by selling direct.

To learn more about auto insurance in Texas

Additional detailed information can be found at the Texas Department of Insurance website. Consumers can get help finding coverage, download brochures, and file complaints about a company.

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Cheaper insurance is a realistic goal

Low-cost auto insurance is possible on the web and with local Corpus Christi insurance agents, so compare prices from both to get a complete price analysis. Some auto insurance companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

Consumers leave their current company for many reasons like questionable increases in premium, delays in responding to claim requests, poor customer service and denial of a claim. Regardless of your reason for switching companies, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.