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Best Local Car Insurance Agencies in McAllen

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1st Hometown Insurance Sanchez Agency, McAllen logo
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1st Hometown Insurance Sanchez Agency, McAllen

2538 Pecan Boulevard, McAllen, TX 78501
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  • Multiple Carriers
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Business Description

1st Hometown Insurance is an independent insurance agency that provides various insurance policies in McAllen. The insurance agency offers insurance coverage for auto, residential, and commercial. Some of the auto insurance options it offers include liability limits, collision, comprehensive, uninsured and underinsured motorist, towing, and medical. 1st Hometown Insurance also offers residential insurance coverage like homeowners, flood, and tenant homeowners. It works with more than 50 insurance carriers to make sure that its clients get the best insurance plan for their needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Amco Auto Insurance logo
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License Verified:

License: 19100

Texas Department Of Insurance

Amco Auto Insurance

608 South 10th Street, McAllen, TX 78501
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  • Multiple Carriers

Business Description

Amco Auto Insurance is a car insurance agency that has been serving clients in the McAllen area and its surrounding communities since 1998. The company caters to customers with auto and Mexican auto insurance needs. Additionally, Amco Auto Insurance can provide policies for homes. Its team of agents is committed to offering great customer service, going by the company motto of being dedicated towards clients through fast and friendly service.

License Verified:

License: 19100

Texas Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.1 / 5 (26)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Bridgepoint Insurance Agency & Permit Center, LLC logo
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License Verified:

License: 1358226

State of New Jersey Banking and Insurance

Bridgepoint Insurance Agency & Permit Center, LLC

101 North McColl Road, McAllen, TX 78501
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  • Motorcyle & ATV
  • Home & Auto Insurance
  • Home Insurance

Business Description

Bridgepoint Insurance Agency & Permit Center, LLC, offers full lines of insurance options to the people of McAllen and the rest of Rio Grande Valley. Its professional agents help vehicle owners obtain car insurance policies based on their individual needs and preferences, so they can stay protected against serious financial damage in the event of distressing automotive mishaps like theft or an accident. Bridgepoint Insurance Agency & Permit Center, LLC, also provides assistance for the acquisition of truck and motorcycle insurance.

License Verified:

License: 1358226

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.0 / 5 (236)
Facebook
5.0 / 5 (42)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Safe Stop Insurance Agency logo
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License Verified:

License: 2502208

State of New Jersey Banking and Insurance

Safe Stop Insurance Agency

309 North Ware Road, McAllen, TX 78501
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  • Multiple Carriers
  • Motorcyle & ATV
  • Home Insurance
  • Boat Insurance

Business Description

Safe Stop Insurance Agency specializes in both personal and commercial insurance services. The full-service insurance company offers car insurance products and services in the McAllen metro. As an independent agency, it works with multiple carriers in providing insurance plans tailored to the needs and preferences of the customers. These insurance policies may include comprehensive, collision, and property liability coverages. In addition, Safe Stop Insurance Agency provides home and property insurance services.

License Verified:

License: 2502208

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Showery Insurance & Financial Services logo
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License Verified:

License: 871246

State of New Jersey Banking and Insurance

Showery Insurance & Financial Services

1321 Pecan Boulevard, McAllen, TX 78501
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  • Motorcyle & ATV

Business Description

Showery Insurance & Financial Services offers a wide range of personal and business insurance solutions to the people of McAllen and the rest of the state of Texas. In business since 1989, the family-owned and family-operated company can help drivers of different backgrounds obtain car insurance policies tailored to their individual needs to protect them from financial loss in the event of an automotive emergency. Showery Insurance & Financial Services also insures classic cars, motorcycles, RVs, and boats.

License Verified:

License: 871246

State of New Jersey Banking and Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (7)
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Statewide Insurance - McAllen logo
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Statewide Insurance - McAllen

609 North 10th Street, McAllen, TX 78501
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  • Boats
  • Motorcyle & ATV

Business Description

The McAllen location of established Texas brand Statewide Insurance is a family-owned agency that provides personalized insurance services to the metro. Its team of agents plans and customizes car insurance coverage that best suits the client's needs and budget. This includes comprehensive, liability, and medical coverage. It aims to protect individuals, families, and businesses against potential financial losses that are associated with events such as accidents and theft. Statewide Insurance - McAllen also provides 24/7 customer service.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Tommy Wilson logo
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License Verified:

License: 700571

Texas Department of Insurance

Tommy Wilson

2901 North 10th Street, McAllen, TX 78501
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  • Home Insurance

Business Description

Tommy Wilson is a State Farm insurance agent serving the McAllen community. He helps vehicle operators in managing everyday risks by providing a wide range of car insurance coverages for different types of clients, such as collectors, new drivers, and business travelers. The coverage options include collision, rideshare, rental, and comprehensive. A combination of auto and home policies is also available. Wilson and his team also offer health, life, and business insurance products. They accommodate both English- and Spanish-speaking clients.

License Verified:

License: 700571

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.3 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

Introduction

A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

What is car insurance?

Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

How does car insurance work?

Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

What does car insurance cover?

Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

Does car insurance cover theft?

Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

How does a car insurance deductible work?

A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

Do you need insurance to register a car?

Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.

Can you get car insurance without a license?

In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.

Do you need car insurance?

Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.

How much is car insurance a month?

Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.

Why is my car insurance so high?

Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.

How can I get lower car insurance?

Getting lower-cost car insurance may be possible depending on your personal circumstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.

Do you need insurance to rent a car?

In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.

Does my car insurance cover rental cars?

Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.

Can I insure a car not in my name?

In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.

Can you cancel car insurance at any time?

In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circumstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.

How can I change car insurance?

Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.

How do you become a car insurance agent?

In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.

How do car insurance agents get paid?

Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.

How much do car insurance agents make?

Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.

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