Easy Guide to Searching Online for a San Antonio Insurance Agency

If you’re looking for an insurance agent in San Antonio, Texas, you can always do the preliminary legwork on the web rather than looking in the yellowpages. We’re guessing you’re wanting a competent insurance agent, but you also want great rates as well.

With companies like American Family, Allstate, State Farm and Farmers all competing for business in San Antonio, it’s hard to tell which provider will provide the cheapest rates and the best coverage. Thankfully, you can use online price quotes in order to build a list of insurance agents and thier coverage prices.

Local San Antonio car insurance agents

Professional agents can answer important questions and help file insurance claims. The best thing about price shopping on the web is you may find better rates and still choose a local agent. Supporting small agencies is definitely important in San Antonio.

To find an agent, once you fill out this simple form, your insurance coverage information is submitted to local insurance agents who will give you bids to get your business. You don’t have to even leave your home since price quotes are sent to your email. It doesn’t get any easier! Get lower rates and a licensed agent to work with.

Is a captive or independent insurance agent right for you?

When searching for a good San Antonio insurance agent, there are a couple of different agency structures that differ in how they can insure your vehicles. Insurance agencies in San Antonio are categorized either captive or independent (non-captive).

Independent Agencies or Brokers

Independent insurance agents are not employed by any specific company but instead can place your coverage with any number of different companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent.

When comparison shopping, it’s recommended you contact at least one independent agent for maximum quote selection.

Shown below is a short list of independent agencies in San Antonio willing to provide price quotes.

Jones Bloodstock Agency – 3102 Eisenhauer Rd # D28 – San Antonio, TX 78209 – (210) 271-9834
Usaa General Agency – – San Antonio, TX 78288 – (210) 498-8883
Providence Risk and Insurance – 16414 N Us Highway 281 – San Antonio, TX 78232 – (210) 495-7595
A and A Insurance – 1319 Castroville Rd – San Antonio, TX 78237 – (210) 434-2311
Harold James Agency – 8930 Fourwinds Dr # 355 – San Antonio, TX 78239 – (210) 599-2178

Agency Captives

These agents can only write with one company and some examples include American Family, State Farm and Allstate. They usually cannot shop your coverage around so keep that in mind. These agents are well schooled on their company’s products which helps them compete with independent agents.

Listed below are captive agencies in San Antonio who can help you get comparison quotes.

Liberty Mutual Insurance – 15056 San Pedro Ave – San Antonio, TX 78232 – (210) 496-3611
Allstate Insurance – 14326 Bulverde Rd – San Antonio, TX 78247 – (210) 402-7324
Farm Bureau Insurance – 2391 NE Loop 410 – San Antonio, TX 78217 – (210) 656-2200
Farmers Insurance Group – 1370 Pantheon Way # 290 – San Antonio, TX 78232 – (210) 572-1482
State Farm Insurance – 1840 S General Mcmullen Dr 111 – San Antonio, TX 78226 – (210) 434-7288

For a full directory of car insurance agents in San Antonio, please go to this site.

Selecting an auto insurance agent should depend on more than just a low price. Any agent should be forthright in answering these questions:

  • Are they full-time agents?
  • If your car is totalled, how to they determine the replacement cost?
  • Do the companies they represent have a solid financial rating?
  • What insurance company do they write the most business with?
  • How are claims handled?

After getting positive feedback to all your questions and a low price estimate, most likely you have located an auto insurance agent that will service your policy.

But what about buying from online companies?

Local insurance agents are indespensible for some people, but Texas car insurance can also be bought direct over the internet. Certain auto insurance companies, such as State Farm, Allstate and Farmers, that are more known for using agents, also permit you to get a quote and buy online, so that should be considered.

If you’re apprehensive about not having professional advice when shopping online, this is expected but don’t let that bother you. Online companies that allow you to purchase coverage all have toll-free customer service for answering any questions you have.

Is pricing better online? It’s difficult to say for sure because there are many components that influence the price you pay. It’s logical to say that a consumer who buys direct lowers rates due to not having any agent compensation. In many cases, promoting brand recognition is pricey and that can quickly cost more than paying an agent.

If you have the time, the only way to find out where you can get the lowest rate, either online or from agents, is to compare price quotes from both. It’s possible to get different rates when quoting both agents prices and online prices from the same insurance company.

Better coverage you can count on

Drivers who switch companies do it for many reasons like not issuing a premium refund, policy cancellation, being labeled a high risk driver or delays in paying claims. Whatever your reason, finding a great new company is easier than you think.

San Antonio TX insurance company

When shopping online for car insurance, never reduce needed coverages to save money. There have been many situations where an insured dropped collision coverage only to regret at claim time that they should have had better coverage. The proper strategy is to get the best coverage possible at a price you can afford, not the least amount of coverage.

Additional car insurance information can be read on the website for the Texas Department of Insurance found here. Consumers can file complaints about an insurance agent or broker, learn about insurance regulations, and read state legal mandates and laws.

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