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Best Local Car Insurance Agencies in Pharr

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5 Star Insurance Agency logo
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5 Star Insurance Agency

107 East Pecan Boulevard, McAllen, TX 78501
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  • Multiple Carriers

Business Description

5 Star Insurance Agency serves the individuals and businesses in Pharr and the nearby areas with its auto insurance products and services. For over seven years, the family-owned and operated business has been providing the community with customized insurance plans suited to the clients' needs and budget. These insurance plans protect them against financial liabilities associated with unexpected events such as accidents, theft, and fire. The company also offers homeowners' and workers' compensation insurance, as well as notary services.

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
Angel Aleman logo
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License Verified:

License: 1814548

Texas Department Of Insurance

Angel Aleman

101 South Main Street, La Feria, TX 78559
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  • Multiple Carriers

Business Description

State Farm provides local car insurance services to clients in Pharr and the surrounding communities. One of its agents, Angel Aleman, has been in the industry since 2012. He helps clients in selecting auto insurance options, such as collision, rideshare, and rental. These insurances have a policy that covers business travelers, new drivers, families, and collectors. Angel also accommodates clients who want to combine auto and home insurances. The company offers business, renters, life, health, and personal articles insurance products.

License Verified:

License: 1814548

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.
4.3
Facebook
4.5 / 5 (57)

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
Christina Lopez Garza logo
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License Verified:

License: 1665104

Texas Department Of Insurance

Christina Lopez Garza

3611 North Ware Road, McAllen, TX 78501
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  • Bundling Option

Business Description

Christina Lopez Garza is an insurance agent of State Farm that serves Pharr and other nearby locations. Christina's auto insurance has collision protection for vehicles that were hit or overturned in a collision. It also features rental car insurance to pay for car rentals if a client's car is under repair due to an accident. It has comprehensive insurance to cover financial losses when a car suffers from natural or random acts like wind, hail, flood, fire, vandalism, and theft.

License Verified:

License: 1665104

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.
4.3
Facebook
4.3 / 5 (35)

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
––
Eagle Insurance logo
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Eagle Insurance

P.O. Box 5788, McAllen, TX 78502
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  • Bundling Option

Business Description

Eagle Insurance is an insurance agency that provides auto and home insurance products to residents of the Pharr metro and nearby cities. The company has been writing policies for over 20 years and offers comprehensive auto insurance policies. The policies protect both owners and vehicles from property damages, liabilities, and medical payments. Add-ons for repairs, replacements, losses, and other physical damages are also available. Eagle Insurance is committed to providing convenient services and has 11 more locations in Texas.

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 (24)

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
Hope Insurance Agency, LLC - McAllen logo
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License Verified:

License: 2065401

Texas Department Of Insurance

Hope Insurance Agency, LLC - McAllen

514 South 16th Street, McAllen, TX 78501
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  • Motorcyle & ATV

Business Description

Hope Insurance Agency, LLC, - McAllen is an independent insurance business providing a variety of solutions to customers in Pharr. The local agents from this firm offer auto insurance services to safeguard clients while on the move. They offer insurance for trucks, vans, cars, and other vehicles. The firm also provides commercial general liability, workers' compensation, and universal life insurance policies. Hope Insurance Agency, LLC, was created by its parent company, TuCasa Investments, Inc., to make affordable insurance available for those most in need.

License Verified:

License: 2065401

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 (6)
Facebook
5.0 / 5 (2)

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
RG Insurance Agency logo
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RG Insurance Agency

208 West Ferguson Avenue, Pharr, TX 78577
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  • Bundling Option

Business Description

RG Insurance Agency is a Progressive agent. It offers a wide variety of full coverage and liability options to protect clients, their cars, and other people affected in case of financial loss or damage due to auto-related incidents. In the insurance industry since 2009, the family-owned agency serves clients in Pharr, McAllen, and throughout the Rio Grande Valley. In addition to car insurance policies, it also provides coverages for motorcycles and recreational 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.
5.0
Google
5.0 / 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
Rick Puente Insurance logo
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License Verified:

License: 17556382

Texas Department Of Insurance

Rick Puente Insurance

2203 North Raul Longoria Road, San Juan, TX 78589
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  • Bundling Option

Business Description

Rick Puente Insurance in Pharr is an insurance agency that offers insurance products to residents in the metro and nearby areas. The company has been writing insurance policies since 2001, including its auto insurance policies for motorists and vehicle owners. The policies adhere to state-mandated coverages for liabilities and damages. Rick Puente Insurance also offers other financial services, such as professional payroll services and business consultancy services. The agency values long-term relationships with clients built on quality products and customer care.

License Verified:

License: 17556382

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.
4.6
Google
4.6 / 5 (38)
Facebook
5.0 / 5 (8)

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
SafeGuard Insurance Agency - Pharr logo
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License Verified:

License: 934379

Texas Department Of Insurance

SafeGuard Insurance Agency - Pharr

3003 South Cage Boulevard, Pharr, TX 78577
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  • Multiple Carriers
  • Bundling Option

Business Description

SafeGuard Insurance Agency is an independent agency that offers its range of insurance products, including car insurance plans to clients in Pharr and the nearby areas. Its team of agents aims to provide solutions to the insurance programs for its policyholders. Abraham C. Pardon, the owner, works with his team in reviewing and customizing the insurance policies that are suited to the clients' needs. It includes basic car insurance such as comprehensive and collision coverages, liability coverages, and medical coverages.

License Verified:

License: 934379

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
Facebook
5.0 / 5 (4)
Google
3.0 / 5 (1)
Yelp
5.0 / 5 (1)

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
Shepard Walton King Insurance Group - McAllen logo
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License Verified:

License: 684654

Texas Department Of Insurance

Shepard Walton King Insurance Group - McAllen

121 Pecan Boulevard, McAllen, TX 78501
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  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Business Description

Shepard Walton King Insurance Group is an agency in McAllen offering insurance options to businesses and individuals in Pharr. This company provides coverage options for pickup trucks, family cars, and business and fleet cars. It also helps insure collector, classic, and custom cars, providing liability, property, and collision coverages. Shepard Walton King Insurance Group has eight leaders with over a century of combined industry experience. Its board chairman Bob Shepard has served as president of Texas' independent insurance agents' association.

License Verified:

License: 684654

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

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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