Consumer Information for Searching for a Corpus Christi Auto Insurance Agent

To find a good Corpus Christi agent, you can always do an initial search on the web instead of making phone calls. Most likely that not only do you want an excellent agent, but you also need affordable coverage.

With companies like American Family, Allstate, State Farm and independent agents having local Corpus Christi offices, it’s hard to tell which will give you the cheapest rates and the best coverage. To begin, you can use online quotes to build a list of insurance agencies to choose from.

How to buy car insurance from an agent in Corpus Christi

Educated insurance agents can answer important questions and help file insurance claims. The best thing about getting online price quotes is the fact that you can find better rates but also keep your business local. And supporting local businesses is definitely important in Corpus Christi.

By using this form (opens in new window), your information is submitted to companies in Corpus Christi who will return price quotes to get your business. There is no need to visit any agencies because quoted prices will be sent immediately to your email address. Now that’s easy!

Best car insurance agent in Corpus Christi

When finding an insurance agent, there are two types of insurance agents to choose from. Insurance agencies in Corpus Christi are categorized either independent (non-captive) or captive. While both can insure your vehicles, but it’s good to learn how they differ because it can impact the selection process.

Independent Agents (or Brokers)

Independent agencies are not employed by any specific company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies. When shopping rates, we recommend you include price quotes from several independent insurance agents for the best price selection.Most can insure with smaller companies who may have lower rates.

Below is a short list of independent insurance agencies in Corpus Christi that may be able to provide price quotes.

  • Luddeke Agency – 4444 Corona Dr # 101 – Corpus Christi, TX 78411 – (361) 853-0192
  • Wayne Campbell Jr Agency Inc – 4250 Five Points Rd – Corpus Christi, TX 78410 – (361) 241-8777
  • Reyna Insurance – 3523 S Staples St – Corpus Christi, TX 78411 – (361) 888-8001
  • Annaville Insurance – 11133 Leopard St – Corpus Christi, TX 78410 – (361) 241-2366
  • Reed Agency – 13434 Leopard St – Corpus Christi, TX 78410 – (361) 241-6120
Captive Agents

These agents can only place business with one company and some examples include Allstate, AAA, Liberty Mutual and State Farm. Captives cannot shop your coverage around so they have to upsell other benefits. Captive agents are trained well in insurance sales and that can be a competitive advantage. Consumers often purchase coverage from captives mostly because of the brand legacy and solid financial strength.

Below are Corpus Christi captive agencies that can give you rate quotes.

  • Allstate Insurance – 6751 Weber Rd # F6 – Corpus Christi, TX 78413 – (361) 814-4736
  • Farmers Insurance Group – 4659 Everhart Rd – Corpus Christi, TX 78411 – (361) 855-3750
  • State Farm Insurance – 5801 S Staples St # D – Corpus Christi, TX 78413 – (361) 992-1122
  • Farm Bureau Insurance – 4925 Everhart Rd # 103 – Corpus Christi, TX 78411 – (361) 852-6016

For a complete listing of car insurance agents in Corpus Christi, view this link.

Deciding on an insurance agent should depend on more than just the price. Any agent should have no problem answering these questions:

  • Can glass repairs be made at your home?
  • Which insurance companies are they affiliated with?
  • How long has their agency been in business in Corpus Christi?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Is vehicle mileage a factor when determining depreciation for repairs?

Once you have positive responses to any questions you have in addition to an acceptable price estimate, you may have just found an auto insurance agent that is a good match to insure your vehicles.

Can you find lower rates by buying online?

Car insurance agents serve a purpose, but Texas drivers can also buy direct over the internet. Some car insurance companies who sell through the agent channel additionally provide the ability to get quotes and purchase online, and that is helpful.

If you’re concerned about not receiving proper advice when buying online, this is expected but don’t let that bother you. Companies have toll-free phone numbers and other options to walk you through the process. They also make available a frequently asked questions page that can help answer basic questions.

If the best price is important to you, the most effective way to determine where you can get the lowest rate, either online or from agents, is comparing prices for both of them. It’s even possible to receive different pricing from exactly the same company depending on if you quote online or with their agents.

Is it cheaper to buy Corpus Christi car insurance online? That is a tough question to answer since companies use quite a few components which can raise or lower premium rates. Many people think that shopping online for auto insurance cuts out the middleman. But in reality, there are high advertising and marketing costs and that impacts the rates consumers pay.

Texas car insurance information

More information is located on the Texas Department of Insurance website located here. Texas consumers can download brochures, report car insurance fraud, find out industry alerts, and read industry bulletins.

In Summary

As you go through the steps to switch your coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where an insured cut uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Corpus Christi Texas agents

People switch companies for any number of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, lack of trust in their agent and even being labeled a high risk driver. Regardless of your reason for switching companies, switching companies is easier than you think.