Quick Guide to Searching for a Mcallen Insurance Agent

To find an insurance agent in Mcallen, Texas, we recommend you start your search on the internet in order to save time. The chances are good you require not only a competent insurance agent, but you also want great rates as well.

With Allstate, Farmers, State Farm and many independent agents having local Mcallen offices, it’s difficult to determine which one will give you the best rates, service and coverage. Thankfully, consumers can get online quotes to get a list of insurance agencies and price estimates.

Mcallen agents for car insurance

Educated insurance agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of getting online price quotes is the fact that you can find the best rates but also keep your business local. And providing support for local insurance agencies is important particularly in Mcallen.

After filling out this quick form, the quote information is immediately sent to companies in Mcallen who will return price quotes for your coverage. There is no reason to leave your house because quoted prices will be sent to your email. How’s that for easy! It’s the lowest rates and a licensed agent to work with.

The difference between Mcallen car insurance agents

When looking for a good insurance agency, you need to know there are two different agency structures that you can select. Agents can either be captive or independent (non-captive).

Independent Agencies or Brokers

Independent insurance agents are not employed by any specific company so they have the ability to put coverage amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies.

When shopping rates, it’s recommended you include price quotes from several independent insurance agents to get the best comparison.

Listed below is a list of independent agents in Mcallen who can help you get competitive price quotes.

Border State Auto Insurance – 1200 N Mccoll Rd # F – Mcallen, TX 78501 – (956) 687-5183
Hope Torres Insurance – 1118 N Bentsen Rd – Mcallen, TX 78501 – (956) 631-9181
Cardenas Agency – 400 Nolana St # K – Mcallen, TX 78504 – (956) 994-0585

Captive Insurance Agents

This type of agents work for only one company and examples are Allstate, Farmers Insurance or State Farm. These agents are unable to shop your coverage around so they have no alternatives for high prices. They are well schooled on the products they sell which helps them sell insurance even at higher premiums.

Shown below is a short list of captive agents in Mcallen who can help you get price quote information.

Farmers Insurance Group – 419 Nolana St # A – Mcallen, TX 78504 – (956) 682-8731
Allstate Insurance – 3705 N Ware Rd # 1 – Mcallen, TX 78501 – (956) 630-5988
State Farm Insurance – 701 E Expressway 83 – Mcallen, TX 78501 – (956) 632-6800

For a complete listing of captive agents in Mcallen, simply jump to this page.

Picking a car insurance agent requires more thought than just the price. These are valid questions to ask:

  • Are they properly licensed to sell insurance in Texas?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • What insurance companies do they work with?
  • Do the coverages you’re quoting properly cover your vehicle?
  • Do the companies they represent have a solid financial rating?

Upon getting satisfactory answers and locked in a price quote, you have narrowed it down to a car insurance agent that meets your needs to service your policy.

Do I need special coverages?

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that For instance, these questions might point out whether or not you might need professional guidance.

  • What if I don’t agree with a claim settlement offer?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • How much liability do I need to cover my assets?
  • Am I covered when driving on a suspended license?
  • Should I buy additional glass protection?
  • Does having multiple vehicles earn me a discount?
  • Does my insurance cover my expensive audio equipment?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent.

But what about GEICO, Progressive and Esurance?

Insurance agencies are important to many people, but Texas consumers also have the option to buy direct from companies that only sell online. Some specific companies who have local Mcallen agents also give you the ability to buy direct on their websites, and that can save time.

If you’re uncomfortable with not having an insurance agent’s advice when buying car insurance direct, this is expected but don’t let that bother you. Online companies that require consumers to choose their own coverages have toll-free phone numbers and other options that you can contact for information.

Can online rates save money? It’s difficult to provide an answer since there are so many components which can raise or lower premium rates. It would make sense to think that shopping online for auto insurance saves the cost of an agent commission. But in most cases, online and traditional media advertising are expensive so the lack of a commission may be a wash.

Find an agent in Texas

Compare but don’t skimp

Discount car insurance is attainable from both online companies and with local Mcallen insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers do not offer online price quotes and these small, regional companies work with independent agents.

Consumers who switch companies do it for many reasons like an unsatisfactory settlement offer, high rates after DUI convictions, being labeled a high risk driver or even questionable increases in premium. Regardless of your reason, finding the right car insurance provider is pretty easy and you might even save some money in the process.

More information is available on the website for the Texas Department of Insurance. Click here for link. Consumers can download brochures, read enforcement actions against agents and companies, read industry bulletins, and get help finding coverage.