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Best Local Car Insurance Agencies in Midland

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Alliance Insurance Agency logo
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Alliance Insurance Agency

3307 82nd Street, Midland, TX 79423
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  • Motorcyle & ATV
  • Boats
  • Bundling Option

Business Description

Alliance Insurance Agency offers two decades of insurance experience to drivers, car enthusiasts, and vehicle owners in Midland. The business helps clients find auto insurance coverages fit for their needs. Its three agents shop for various insurance plans to protect customers and their vehicles from financial obligations caused by car accidents. Liability coverage is also provided if clients use their cars every day. Other vehicle policies available include classic auto and business use vehicles.

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.
4.7

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
Area Insurance Services, Inc. logo
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License Verified:

License: 4896

Texas Department Of Insurance

Area Insurance Services, Inc.

1302 N. Big Springs Street, Midland, TX 79701
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  • Motorcyle & ATV

Business Description

Area Insurance Services, Inc., is a multi-line insurance management company that serves the Midland metro area and its surrounding localities. The firm protects car owners, motorists, and business operators against financial losses and potential risks that may involve their vehicles. As an independent insurance agency, its agents represent carriers with a variety of coverage options, including property, liability, and medical coverage. The company has over 30 years of experience in serving insurance clients.

License Verified:

License: 4896

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.
4.8
Google
4.8 / 5 (17)

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
Germania Insurance logo
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License Verified:

License: 36854

Texas Department Of Insurance

Germania Insurance

507 Highway 290 East, Midland, TX 77833
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  • Multiple Carriers
  • Bundling Option

Business Description

Germania Insurance has been providing insurance solutions statewide, including in the Midland area, since 1896. One of the products the company has is auto insurance. The agents offer all the coverages available in Texas like liability, collision, comprehensive, and uninsured motorist coverages. They also include optional roadside assistance and 24-hour emergency services, including towing, lock-out, battery, and delivery services. They serve all Texans regardless of their lifestyle, religion, and race. Germania Insurance was founded in Perry by Otto Rau.

License Verified:

License: 36854

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

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
Reeves Insurance Agency logo
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License Verified:

License: 1322234

Texas Department Of Insurance

Reeves Insurance Agency

1015 North Midkiff Road, Midland, TX 79701
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  • RV & Motorhome
  • Motorcyle & ATV

Business Description

Reeves Insurance Agency is a family-owned and operated firm based in Midland. The company specializes in comprehensive auto insurance policies, which provide financial protection against liabilities, damages, collisions, uninsured drivers, and medical payments. Reeves Insurance Agency was founded by the husband-and-wife team of Tony and Lavonna Reeves, who focus on giving excellent customer service to keep their clients satisfied. They offer other products such as motorcycle, ATV, boat, RV, rural property, and flood insurance.

License Verified:

License: 1322234

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
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
Roy Nelson logo
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License Verified:

License: 854839

Texas Department Of Insurance

Roy Nelson

910 West Wall Street, Midland, TX 79701
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  • Multiple Carriers
  • Bundling Option

Business Description

Roy Nelson has been a State Farm insurance agent since 1996, offering car insurance to clients in the Midland community. As a business owner, his professional experience not only prevails in providing car insurance options to people, but he also directs a team to assist different clients with their insurance needs. He has bilingual agents in his team to accommodate clients whose native language is not English. Nelson is also involved in many community projects and affiliations, such as the Greater Ideal Family Life Center Board.

License Verified:

License: 854839

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.
4.8
Google
4.7 / 5 (15)
The Insurance Man & Associates logo
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License Verified:

License: 815695

Texas Department Of Insurance

The Insurance Man & Associates

1912 North Big Spring Street, Midland, TX 79705
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  • Multiple Carriers

Business Description

The Insurance Man & Associates is an independent auto insurance provider serving Midland and nearby areas. Established in 1976, it offers personal and commercial auto insurance protection with an empathic approach since its agents and staff also have families and properties to protect and care for. Its insurance coverage also extends to watercraft, boats, homes, and life. Its founder, Wayne Runkles named the company for better recall, like the household names "auto-repair man," "milkman," and "mailman."

License Verified:

License: 815695

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.
4.8
Google
4.8 / 5 (4)

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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