How to Find the Right Insurance Agent in Sunland Park

When trying to find a licensed insurance agent in Sunland Park, you can start your search by comparing rates online in order to save time. It’s likely you require not only a friendly agent, but also the lowest possible price.

With insurance companies like State Farm, Allstate, Farmers and independent agents all competing for business in Sunland Park, it’s difficult to determine which provider will provide the best rates, service and coverage. To help decide, consumers can get online price quotes in order to build a list of insurance agents and thier coverage prices.

Shop online but buy locally

Educated insurance agents can help determine the best coverages and help file insurance claims. The best thing about comparing rates online is you may find the best rates but also keep your business local. And providing support for small agencies is definitely important in Sunland Park.

By using this form (opens in new window), the coverage information is immediately sent to local insurance agents who will battle to get your business. You never need to leave your computer since price quotes are sent to your email. Now that’s easy! You can find better rates and an insurance agent to talk to.

The type of insurance agency you choose is important

When finding a good insurance agency, you must know there are a couple different types of agents to choose from. Insurance agencies in Sunland Park are categorized either independent (non-captive) or captive.

Independent Agents (or Brokers)

Independent agencies are not locked into one company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage without you having to go to a different agency.

When searching for an agent, we recommend you get quotes from at least one independent agent to get the best comparison.

Below is a short list of independent agents in Sunland Park that are able to give price quote information.

Agency Gaf Insurance – 875 Mcnutt Rd – Sunland Park, NM 88063 – (505) 874-1118
Agency Gaf Insurance – 875 Mcnutt Rd – Sunland Park, NM 88063 – (505) 874-1118

Agency Captives

These agents are contracted to one company like American Family, Liberty Mutual and AAA. They generally cannot provide prices from multiple companies so always compare other rates. Captive agents are very knowledgeable in insurance sales and that can be a competitive advantage.

Picking an auto insurance agent requires more thought than just a cheap price. Here are some questions to ask:

  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • If they are an independent agency, which companies do they recommend?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Did they already check your driving record and credit reports?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Which insurance companies are they affiliated with?
  • Is assistance available after office hours?

Upon getting reasonable responses and a low price estimate, you have narrowed it down to an insurance agent that will properly insure your vehicles.

Buying direct is an option

Car insurance agents are perfect for certain consumers, but you also have the option of buying from online companies direct. Certain auto insurance companies who have local agents in Sunland Park also let you buy direct online, so that should be considered if the lowest rate is your goal.

If you’re uncomfortable with not having an agent to talk to, don’t let it bother you. Car insurance companies that allow you to purchase coverage provide toll-free numbers you can use to get advice on coverages.

Is car insurance cheaper online? That is a tough question to answer because there are a lot of things that influence the price you pay. It’s a logical assumption that buying online saves money because there is no commission. For the majority of companies, however, there are high advertising and marketing costs so this can offset any savings.

Buy online or local, you save

Insureds who switch companies do it for any number of reasons including poor customer service, denial of a claim, high prices or even an unsatisfactory settlement offer. No matter why you want to switch, finding a great new company can be easy and end up saving you some money.

Sunland Park insurance agency

Cost effective car insurance is definitely available from both online companies in addition to many Sunland Park insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies do not provide online quoting and these small insurance companies work with independent agents.

New Mexico car insurance information

Additional information can be found on the website for the New Mexico Insurance Division found here. Consumers can report car insurance fraud, find disaster information, read enforcement actions against agents and companies, and read state legal mandates and laws.

Other informative sites include and this page for help finding agents in Sunland Park, NM.