Bernalillo Car Insurance Agents – How to Find the Right One

To locate a good Bernalillo agent, you can always start your search by getting online comparison quotes to save time. You require a great agent that can assess your needs, but also need the best possible price.

Companies like Allstate, Liberty Mutual and State Farm increase brand awareness with ads and it is difficult to sift through the bull and find the best price available.

Why do I need an agent?

Good agents can help determine the best coverages and help file insurance claims. One of the great benefits of price shopping on the web is the fact that you can find the best rates and still choose a local agent.

Once you complete this quick form, your insurance coverage information is immediately sent to insurance agents in Bernalillo who will battle for your business. You never need to drive around due to the fact that quote results will go directly to your email. Now that’s easy! It’s the lowest rates and an insurance agent to talk to.

Selecting an insurance agent requires more thought than just the bottom line cost. These questions are important to ask:

  • Is their price quote a firm figure or are their hidden costs?
  • Which members of your family are coverage by the policy?
  • How long has their agency been open in Bernalillo?
  • Which company do they place the most coverage with?
  • Are claims handled at the agent’s location?
  • Is working in the agency their full-time job?

Two different types of insurance agencies

When searching for a good Bernalillo insurance agent, there are a couple of types of agencies that you can select. Insurance agencies in Bernalillo are either independent or captive.

Captive Agents

Captive agents have only one company to place business with and examples are Allstate, AAA, Liberty Mutual and State Farm. Captives cannot place coverage with different providers so they have no alternatives for high prices. They are usually quite knowledgeable on their company’s products which helps them compete with independent agents. Consumers frequently buy insurance from these agents mostly because of loyalty to the company and the convenience of having all coverages with one company.

Listed below is a list of captive insurance agents in Bernalillo that can give you comparison quotes.

  • State Farm Insurance – 801 Camino Del Pueblo – Bernalillo, NM 87004 – (505) 867-2353
Independent Agencies or Brokers

Independent agents are not required to write business for one company but instead can place your coverage amongst many companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part. When comparing rates, it’s a good idea to include at a minimum one independent agency to ensure the widest selection of prices. They also have the ability to place coverage with smaller companies which can be an advantage.

Listed below are Bernalillo independent agencies who can help you get comparison quotes.

  • Insurance Exchane – 901 S Camino Del Pueblo – Bernalillo, NM 87004 – (505) 867-4065
  • Seferino Montoya Insurance – 811 S Camino Del Pueblo – Bernalillo, NM 87004 – (505) 867-2623

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

Once you have received positive responses as well as a affordable price, you may have just found an insurance agent that meets your needs to adequately provide car insurance.

But what about GEICO, Esurance and Progressive?

Professional insurance agents can be invaluable at times, but New Mexico drivers can also buy direct online. Even companies that are more known for using agents, also let you buy direct on their websites, and that is helpful if you want to do it yourself.

If you’re anxious about selecting your own policy coverages when buying direct, this is a normal reaction for first-time shoppers. Online companies provide phone numbers and online resources for answering any questions you have.

Will auto insurance cost less online? It’s difficult to say for sure since companies use quite a few components that influence the price you pay. Common logic is that shopping direct prevents the agent from taking a cut. But the fact is, promoting brand recognition is pricey and those expenses can offset most of the savings by selling direct.

Even more information is available at the New Mexico Insurance Division website. Consumers can find a variety of consumer forms, download brochures, and get help finding coverage.

Also read more on Wikipedia and this list of insurance agents in Bernalillo.

New Mexico agents

Affordable insurance is out there

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped uninsured motorist or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at a price you can afford.

Cheaper car insurance is attainable both online and with local Bernalillo insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers do not offer online quoting and many times these regional insurance providers only sell through independent insurance agents.