San Angelo Texas Auto Insurance Company Online Price Comparisons

When searching for a good San Angelo agent, we recommend you do an initial search for an agent online instead of making phone calls. For the sake of this article, we’ll assume that not only do you want a competent insurance agent, but you also want to find the lowest possible price.

With Allstate, Farmers and State Farm as well as independent agents all competing for business in San Angelo, it’s difficult to determine which will provide the cheapest rates and the best coverage. Fortunately, consumers can get online price quotes to get a list of insurance agents to choose from.

Car Insurance through a local San Angelo agent

Agents can answer important questions and give you peace of mind. One of the great benefits of getting online price quotes is that you can obtain lower rates and still have an agent to talk to. Buying from local insurance agencies is especially important in San Angelo.

After filling out this quick form, your information is sent to local insurance agents who will battle for your coverage. You don’t have to leave your house since price quotes are sent straight to your inbox. How’s that for easy! You can find the lowest rates and an insurance agent to talk to.

Different types of auto insurance agents in San Angelo

When searching for a local agent, there are two types of agencies that you can select. Insurance agencies in San Angelo are either captive or independent.

Independent Insurance Agents

Independent agencies are not employed by any specific company so they can insure your vehicles with lots of companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage and you don’t have to find a new agent. When comparing rates, it’s a good idea to include price quotes from at least one independent agent for the best price selection.

Listed below is a list of independent insurance agents in San Angelo who may be able to give you rate quotes.

Mc Donald Agency – 3415 Johnson Ave – San Angelo, TX 76904 – (325) 949-4682
Texas Star General Agency – 30 W Beauregard Ave # 2 – San Angelo, TX 76903 – (325) 659-5474
Aidala Insurance Group – 324 S Bishop St – San Angelo, TX 76901 – (325) 944-7808
Grafa Insurance – 1018 S Bryant Blvd – San Angelo, TX 76903 – (325) 658-2917

Captive Agents

These agents work for only one company and examples are Allstate, Farmers Insurance or State Farm. They are unable to shop your coverage around so they have no alternatives for high prices. Captive agents are very knowledgeable on the products they sell and that can be a competitive advantage.

Shown below are San Angelo captive insurance agents willing to provide rate quotes.

Allstate Insurance – 2108 W Beauregard Ave – San Angelo, TX 76901 – (325) 947-5970
State Farm Insurance – 2525 Johnson Ave – San Angelo, TX 76904 – (325) 944-4534
Farmers Insurance Group – 3809 Tridens Trl – San Angelo, TX 76904 – (325) 944-2693

For a full directory of captive agencies in San Angelo, click here to link.

Picking an insurance agent should depend on more than just the premium amount. Agents should be asked these questions:

Will your rates increase after a single accident?
Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
What insurance company do they write the most business with?
Do they regularly work with personal auto policies?
Do they assist clients in filing claims?
Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
How many years of experience in personal lines insurance coverages do they have?
Is the agency involved in supporting local community causes?

After receiving good answers to your questions and a low price estimate, you may have just found an insurance agent that will adequately provide auto insurance.

When should I use an insurance agent?

When buying coverage for your personal vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. For example, these questions may help highlight if your situation could use an agent’s help.

Why am I required to get a high-risk car insurance policy?
Are my friends covered when driving my vehicle?
Is my custom paint covered by insurance?
Do I need higher deductibles?
Does medical payments coverage apply to all occupants?
Am I covered when using my vehicle for business?
What companies insure drivers after a DUI or DWI?
Am I covered when driving a rental car?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent.

Online companies give you options

Insurance agencies are perfect for certain consumers, but Texas drivers can also buy direct online. Even companies like State Farm and Allstate who have local agents in San Angelo also let you buy direct online, so this should also be taken into consideration if you prefer to buy online.

If you’re uneasy about having to choose coverages yourself when buying online, don’t be too concerned. Car insurance companies that require consumers to choose their own coverages all provide contact methods for getting the best coverage. You can also use live help and an extensive research center to help with the buying process.

Is online auto insurance cheaper? It’s difficult to provide an answer due to the fact that there are many factors that influence how your policy is priced. Common sense would say that buying direct saves money because there is no agent involvement. But the reality is it’s expensive to advertise and that can quickly cost more than paying an agent.

Keep this in mind

As you prepare to switch companies, do not reduce coverage to reduce premium. There are too many instances where an accident victim reduced full coverage and discovered at claim time they didn’t have enough coverage. Your goal should be to find the BEST coverage at the best price while not skimping on critical coverages.

Cheaper auto insurance can be sourced both online as well as from independent agents in San Angelo, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

For more Texas auto insurance information

Additional auto insurance information can be found on the website for the Texas Department of Insurance located here. Texas drivers can download brochures, file complaints about an insurance agent or broker, and find a variety of consumer forms.

Additional helpful sites include BankRate.com’s Car Insurance: When not to Skimp and this link where you can make San Angelo auto insurance comparisons.