Useful Tips for Finding a Gallup Insurance Agent

When trying to find a good insurance agent in Gallup, New Mexico, you can always do an initial search on the internet to save time. Most likely that not only do you want a competent insurance agent, but you also need the lowest possible price.

With Allstate, Farmers and State Farm as well as independent agents having offices in Gallup, it can be hard to know which one will give you the cheapest rates and the best coverage. To begin, it’s easy to use online quotes to get a list of agencies and price estimates.

Local Gallup agents and car insurance

Insurance agents can point out coverage gaps and give you someone to call. One of the great benefits of price shopping on the web is you may find lower rates but still work with a licensed agent. And providing support for local insurance agencies is definitely important in Gallup.

After filling out this form (opens in new window), your insurance coverage information is transmitted to local insurance agents who will give you bids for your coverage. You won’t need to even leave your home as quotes are delivered directly to your email. How cool is that?!

Below are Gallup insurance agencies that may be willing to give rate quotes.

C & R Insurance – 401 W Coal Ave, Gallup, NM 87301 – (505) 863-3289
Gartner Insurance – 201 E Aztec Ave, Gallup, NM 87301 – (505) 863-2344
Allstate Insurance Co – 1113 W Highway 66, Gallup, NM 87301 – (505) 863-3044
Farmers Insurance Group – 114 S Boardman Ave, Gallup, NM 87301 – (505) 863-4421
State Farm Insurance – 1615 S 2nd St, Gallup, NM 87301 – (505) 863-9361

Picking a car insurance agent shouldn’t rely on just the price. Here are some questions to ask:

  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Is working in the agency their full-time job?
  • What insurance company do they write the most business with?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Does the company allow you to choose your own collision repair facility?
  • Can they provide you with a list of referrals?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • What is the agency’s Better Business Bureau rating?

Upon receiving acceptable answers and a low price estimate, you have narrowed it down to an insurance agent that will provide car insurance coverage.

You have the option to buy direct online

Insurance agencies are indespensible for some people, but New Mexico car insurance can also be bought direct over the internet. Some specific companies like State Farm and Allstate that are more known for using agents, also permit you to buy a policy online, and that is helpful if finding the best price is important.

If you’re apprehensive about not having someone to ask questions when buying car insurance direct, this is a normal reaction for first-time shoppers. Insurance companies have toll-free phone numbers and other options for answering any questions you have.

Does buying online save money? The answer to that question is complicated since there are so many components that determine your policy premium. You may think that buying direct saves by not paying a commission. For most online online companies, however, there are high advertising and marketing costs so this can offset any savings.

Better coverage you can count on

While you’re price shopping online, do not buy less coverage just to save a little money. There are many occasions where an insured cut full coverage only to regret at claim time that the savings was not a smart move. Your strategy should be to buy enough coverage for the lowest price.

Gallup New Mexico insurance agency

Cheaper car insurance can be sourced on the web as well as from independent agents in Gallup, and you need to price shop both to have the best selection. Some insurance providers don’t offer online quoting and many times these smaller companies only sell through independent insurance agents.

Additional information is available on the website for the New Mexico Insurance Division through this link. Consumers can read enforcement actions against agents and companies, view a list of available companies, learn about specific coverages, and find out which companies have the most complaints.

Other informative sites include Auto Insurance 101 and this page for help finding agents in Gallup, NM.