Consumers Guide to Researching a Rio Rancho Car Insurance Agent

To locate an insurance agent in Rio Rancho, NM, you can always begin your search for an agent online rather than looking in the yellowpages. Consumers require a highly trained agent, and also the lowest rates in Rio Rancho.

Online insurance companies like State Farm, GEICO and Farmers Insurance all promote huge savings with ad campaigns and it can be hard to sift through the bull and effectively compare rates to find the best deal.

Your local neighborhood insurance agent

Insurance agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of getting online price quotes is that you can obtain the best rates and still choose a local agent.

To help locate an agent, after submitting this form (opens in new window), the quote information gets sent to insurance agents in Rio Rancho who will compete for your business. You never need to visit any agencies as quotes are delivered straight to your inbox. Now that’s easy! Get lower rates AND an agent nearby.

Choosing a car insurance agent requires more thought than just a low price. Some important questions to ask are:

  • Do they assist clients in filing claims?
  • Can they give you a list of client referrals?
  • How much can you save by raising your physical damage deductibles?
  • Is their price quote a firm figure or are their hidden costs?
  • Do they feel the quoted coverages are adequate?
  • Are you getting all the discounts the company offers?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Are they able to influence company decisions when a claim is filed?

Compare rates from both independent and captive auto insurance agents

If you’re trying to find an insurance agent, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Agents are categorized either captive or independent (non-captive).

Captive Insurance Agents

Captive agents work for only one company and examples are AAA, Allstate and State Farm. Captives cannot give you multiple price quotes so keep that in mind. Captive agencies are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage.

Listed below is a short list of captive insurance agencies in Rio Rancho who can help you get price quote information.

Farmers Insurance Group – 4011 Barbara Loop SE – Rio Rancho, NM 87124 – (505) 771-3035
State Farm Insurance – 7820 Enchanted Hls Dr NE # F – Rio Rancho, NM 87144 – (505) 771-8872
Allstate Insurance Co – 103 Rio Rancho Dr NE # B2 – Rio Rancho, NM 87124 – (505) 891-1167

Independent Agents

Independent agents are not employed by any specific company so they have the ability to put coverage amongst many companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent.

When comparison shopping, you should always get quotes from at least one independent agent to get the best comparison.

Shown below is a list of independent agencies in Rio Rancho that can give you price quote information.

Chris Espinosa Agency – 1708 Southern Blvd SE # A – Rio Rancho, NM 87124 – (505) 896-5566
Franklin Cabasier Insurance – 2345 Southern Blvd SE # C4 – Rio Rancho, NM 87124 – (505) 891-8733
Louis E Malherbe Agency – 333 Rio Rancho Dr NE # 100 – Rio Rancho, NM 87124 – (505) 896-0180
GMI Insurance – 4011 Barbara Loop SE – Rio Rancho, NM 87124 – (505) 892-6443
Chris Espinosa Agency – 1708 Southern Blvd SE – Rio Rancho, NM 87124 – (505) 891-2200

For a full directory of Rio Rancho insurance agents, please go to this site.

Once you have positive feedback to any questions you have as well as a affordable price, chances are good that you have found an insurance agency that will properly service your car insurance policy.

But what about buying insurance online?

Licensed agents serve a purpose, but New Mexico drivers can also buy direct over the internet. Some car insurance companies that are more known for using agents, also give you the option to quote and buy online, and that can save time if you’re trying to lower your rates.

If you’re anxious about not having professional advice when buying car insurance direct, this really isn’t an issue. Online car insurance companies that allow you to purchase coverage all have toll-free customer service to answer your questions.

Is it cheaper to buy online? Many people swear by it, but it’s difficult to answer since there may be dozens of rate factors that influence your rates. You may think that buying online prevents the agent from taking a cut. For most online online companies, however, the cost of constant advertising is expensive and those expenses can offset most of the savings by selling direct.

If you’re not set on any one company, the best way to find out who has the best deal, local agents or online insurance companies, is to set aside time to compare rates from both. It’s even possible to receive different pricing when using both online and agent quotes returned by the same company. But you can’t find out if the lower rates are from agents or online until you actually compare rates for both.

Rio Rancho insurance agency

More tips and info about car insurance can be found at the New Mexico Insurance Division website. New Mexico drivers can get help finding coverage, find out which companies have the most complaints, report car insurance fraud, and learn about specific coverages.

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One last thing about your coverage

When shopping online for car insurance, never skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed physical damage coverage only to discover later that it was a big mistake. Your strategy should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Consumers switch companies for a number of reasons such as delays in responding to claim requests, extreme rates for teen drivers, policy non-renewal or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.