How to Get the Best Price from Pharr Auto Insurance Companies

Comparing auto insurance companies in Pharr, TX can be challenging because finding the best Texas auto insurance agent is more difficult than just randomly choosing from the yellow pages. Consumers need a competent insurance agent, and also want to find affordable rates.

Consumers have many insurance agents to purchase coverage from, and even though it’s nice to have a choice, so many choices can make it hard to compare rates.

Working with a local agent

Educated insurance agents can help determine the best coverages and give you someone to call. The best thing about comparing insurance prices online is you can get the lowest rates and still have an agent to talk to.

Once you complete this form (opens in new window), the coverage information gets sent to agents in your area who will return price quotes to get your business. There is no reason to leave your computer due to the fact that quote results will go to your email. How’s that for easy!

Picking an insurance agent requires more thought than just a low price. Any agent should be forthright in answering these questions:

  • What insurance company do they write the most business with?
  • What insurance companies do they work with?
  • Which members of your family are coverage by the policy?
  • Can glass repairs be made at your home?
  • Do they feel the quoted coverages are adequate?

Types of car insurance agents in Pharr

If you’re trying to find a good Pharr insurance agent, there are a couple of types of agencies that you can select. Insurance agencies in Pharr are either independent (non-captive) or captive. Either one can do a good job, but it’s important to know how they differ because it can influence your selection of an agent.

Captive Insurance Agents

Captive agencies can only write with one company like Liberty Mutual, Allstate, Farmers Insurance or State Farm. They are unable to place coverage with different providers so keep that in mind. Captive agencies are usually quite knowledgeable on the products they sell which can be an advantage.

Listed below are Pharr captive agencies that can give you comparison quotes.

Allstate Insurance – 1603 N Cage Blvd # 2 – Pharr, TX 78577 – (956) 702-4788
Farm Bureau Insurance – 507 E Expressway 83 – Pharr, TX 78577 – (956) 787-8844
Farmers Insurance Group – 940 W Nolana Rd – Pharr, TX 78577 – (956) 782-5566
State Farm Insurance – 702 W Expressway 83 # A – Pharr, TX 78577 – (956) 702-4200

Independent Insurance Agents

These agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part. When comparing rates, we recommend you contact at least one independent agent to ensure the widest selection of prices.

Listed below are independent insurance agencies in Pharr that can give you rate quotes.

Agency Access Insurance – 5221 S Cage Blvd # B – Pharr, TX 78577 – (956) 783-9127
Mancha Insurance – 1916 N Cage Blvd # A – Pharr, TX 78577 – (956) 781-6581
Bernardo Tito Ramirez Agency – 111 W Us Highway 83 – Pharr, TX 78577 – (956) 783-5000
Bob Trevino Insurance – 819 N I Rd – Pharr, TX 78577 – (956) 781-7771
Trevino Bob Insurance Agency – 1401 W Polk St – Pharr, TX 78577 – (956) 682-6831

To view a complete directory of auto insurance agents in Pharr, go to this page.

After receiving acceptable answers to any questions you have and a good coverage price, 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?

Local insurance agents are a valuable resource, but Texas consumers also have the option to buy directly from online companies. Some specific companies who sell through agents in Pharr additionally provide the ability to quote and buy online, and that can save time if the lowest rate is your goal.

If you’re worried about not getting proper coverage when buying car insurance direct, that is normal but is not a big issue. Online insurance companies provide customer service for answering any questions you have.

Are online companies cheaper? That question is hard to answer since there are so many factors that impact your rate calculation. Many people think that buying car insurance online cuts out the agent as a middleman. But in reality, the cost of constant advertising is expensive and that impacts the rates consumers pay.

Texas insurance agents

If the best price is important to you, the most effective way to determine if local insurance agents or online providers are cheaper is to get free quotes from both and compare them. You may actually get a different price returned by the same company if you compare an online quote to agent rates. You won’t know where you can get the lowest rates unless you compare quotes for identical coverages utilizing both methods.

One last thing

When buying insurance coverage, don’t be tempted to buy less coverage just to save a little money. In many cases, drivers have reduced liability coverage limits to discover at claim time that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage at the best price, not the least amount of coverage.

Consumers leave their current company for a variety of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, high prices or even delays in paying claims. Whatever your reason, switching companies is less work than it seems.

Some additional reading

More tips and info about auto insurance can be found at the Texas Department of Insurance website. Consumers can find out which companies have the most complaints, get help finding coverage, read consumer alerts, and report car insurance fraud.