If you’re looking for a good Espanola agent, you can do the preliminary legwork online rather than looking in the yellowpages. It’s assumed you want a decent agent, but you also need great rates as well.
With companies like independent agents, Allstate and State Farm having local Espanola offices, consumers have a hard time knowing which one will have the lowest rates and best service. Fortunately, consumers can use online quoting in order to build a list of insurance agencies and price estimates.
Compare Espanola agent rates online
Licensed agents can point out coverage gaps and give you peace of mind. The best thing about price shopping on the web is you may find lower rates but also keep your business local. Supporting local businesses is important especially in Espanola.
To help locate an agent, after submitting this simple form, your information gets sent to companies in Espanola who will give you bids for your coverage. You never need to drive around because quoted prices will be sent immediately to your email address. It doesn’t get any easier! You’ll get the best rates and an insurance agent to talk to.
Captive agents vs. Independent agents
When searching for an insurance agent, there are a couple of different types of agents from which to choose. Espanola agents are categorized either independent or captive.
Independent Insurance Agents
Independent insurance agents do not work for one 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 that require little work on your part.
When comparison shopping, it’s recommended you include price quotes from several independent insurance agents for the best price selection.Many can place coverage with different regional companies who may have lower rates.
Shown below are Espanola independent insurance agencies who may be able to give you comparison quotes.
- Jemez Insurance – 224 Los Alamos Hwy # 2 – Espanola, NM 87532 – (505) 747-4955
- Manny Serna Agency Insurance – 706 LA Joya St # C – Espanola, NM 87532 – (505) 753-7317
- Insurance Del Norte – 224 Los Alamos Hwy # 2 – Espanola, NM 87532 – (505) 747-4955
Captive Insurance Agents
Captive agencies can only write with one company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are unable to shop your coverage around so they have no alternatives for high prices. Captive agents are trained well on the products they sell which can be an advantage. Consumers often purchase coverage from captives primarily because of loyalty to the company and strong financial ratings.
Listed below is a list of captive insurance agencies in Espanola who can help you get rate quotes.
- Allstate Insurance – 111 S Riverside Dr – Espanola, NM 87532 – (505) 753-1234
- Farmers Insurance Group – 706 LA Joya St # C – Espanola, NM 87532 – (505) 753-7317
- State Farm Insurance – 1227 N Railroad Ave # B4 – Espanola, NM 87532 – (505) 747-7770
For a complete listing of captive insurance agencies in Espanola, click here to link.
Selecting a car insurance agent should depend on more than just the price. These questions are important to ask:
- Do they receive special compensation for putting your coverage with one company over another?
- Do they specialize in personal lines coverage?
- How much will you save each year by using a higher deductible?
- Will your rates increase after a single accident?
- Do they have any clout with companies to ensure a fair claim settlement?
- How long has their agency been in business in Espanola?
- Will their companies depreciate repairs to your car based on the mileage?
- Can glass repairs be made at your home?
Upon getting answers to your satisfaction as well as a affordable price, most likely you have located an insurance agency that meets your needs to properly service your auto insurance policy.
Can I save by buying direct online?
Professional insurance agents can be invaluable at times, but New Mexico car insurance can also be bought direct online. Certain companies that sell primarily through agents also permit you to buy online, and that can save time as an alternative to contacting agents.
If you’re concerned about not getting proper coverage when shopping online, this really isn’t an issue. All companies that require consumers to choose their own coverages provide phone numbers and online resources to answer your questions. In addition, they usually offer live help and an extensive research center that you can use if you have questions.
The only way to determine if prices are better online or from an agent is to compare price quotes from both. You may actually get a different price when quoting both agents prices and online prices from exactly the same company. But you can’t find out which way will be cheaper until after comparing identical coverage quotes both ways.
Can you find lower rates online? That is a tough question to answer due to the fact that there are multiple individual factors that can increase policy rates. Common sense would say that going direct reduces premiums because there is no agent. For the majority of companies, however, marketing expenses are significant and those expenses can offset most of the savings by selling direct.
Do the work, save more money
As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice physical damage coverage and learned later that it was a big error on their part. Your aim should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.
Insureds change insurance companies for many reasons like high prices, unfair underwriting practices, not issuing a premium refund and an unsatisfactory settlement offer. It doesn’t matter what your reason, choosing a new insurance company is not as difficult as it may seem.
Additional consumer information websites
More information can be found on the New Mexico Insurance Division website. Click here for link. Visitors are able to report car insurance fraud, read state legal mandates and laws, file complaints about an insurance agent or broker, and view a list of available companies.
