2024
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Our Recommended Top 8
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Our goal is to connect people with the best local professionals. We scored Edinburg Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.
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Providers
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Featured Provider
Why choose this provider?
Friendly Insurance Edinburg is a hometown insurance brokerage serving the community since 1997. It offers auto insurance solutions to protect motorists against potential losses in the event of an accident, natural disaster, or theft. Its auto insurance policies include comprehensive, liability, and collision coverages. Additionally, the company helps clients find custom insurance packages for motorcycles, recreational vehicles, ATVs, and boats. Individuals looking for a home and commercial insurance can also ask for assistance from Friendly Insurance.
- Home & Auto Insurance
License: 1457
Expertise.com Rating
Review Sources
- 5.0
(10)
Why choose this provider?
Valley Insurance Services is an independent insurance agency that has been offering comprehensive insurance solutions to clients in Edinburg and the surrounding Texas metros since 1909. The agency works with different insurance companies to provide clients a variety of coverage options involving automobile insurance, bodily injury liability, property damage, uninsured and underinsured motorists, and transportation and rental expenses. It also offers insurance solutions such as personal and commercial property insurance, personal liability and injury insurance, fire insurance, flood insurance, and business owners and general liability insurance.
- Home & Auto Insurance
Expertise.com Rating
Review Sources
- 4.3
(28)
Why choose this provider?
AMCO Auto Insurance is an independent insurance agency that provides auto insurance solutions to residents of the Edinburg metro and surrounding areas. The auto insurance policies at AMCO provide protection from unexpected traffic accidents and covers the expenses for injuries, property damages, and losses. It also offers special coverage for vehicles used to travel to Mexico and back. AMCO Auto Insurance was established in 1998 and is available 24/7 for concerns and inquiries.
- Multiple Carriers
License: 1948381
Why choose this provider?
Greenspoint Insurance-Financial is an agency that offers car insurance services in Edinburg and its surrounding communities. The company helps clients deal with its standard and non-standard auto insurance services. Its team educates policy buyers on the differences between its offerings. They are also committed to providing a fast and easy process. Additionally, the company handles other products and services, such as business, health, home, life, motorcycle, and general insurance policies.
- Bundling Option
Why choose this provider?
Carina Ramos Insurance & Associates is an insurance agency serving clients throughout Edinburg. Its auto insurance premiums cover motorcycles, scooters, cars, recreational vehicles and motor homes, boats, and personal watercraft. In addition, the agency provides policies for commercial vehicles. Serving clients across South Texas, Carina Ramos Insurance & Associates offers an extensive range of insurance policies from 26 companies. The agency is composed of over 250 team members and also has insurance premiums for homes and families.
- RV & Motorhome
- Motorcyle & ATV
- Boat Insurance
License: 7887
Expertise.com Rating
Why choose this provider?
Shepard Walton King Insurance Group is a full-service insurance company that has been assisting motorists in Edinburg and nearby localities with their auto insurance needs for more than two decades. The independent insurance agency provides financial and legal coverage for a wide range of vehicles, including family cars, trucks, commercial cars, classic autos, and custom cars. Its agents also represent several carriers and create personalized policies based on their client's needs. The company's team prides itself on having over 80 years of combined experience in the insurance industry.
- RV & Motorhome
- Motorcyle & ATV
- Boats
License: 781771
Expertise.com Rating
Review Sources
- 5.0
(5)
Why choose this provider?
Connelly & Bartnesky Insurance Agency provides auto insurance plans for clients living in Edinburg. The company offers comprehensive plans to protect cars from general risks, such as traffic accidents and injuries to other people. Its agents help clients by reviewing their policies for any important coverages not added. They also update the plan to add new drivers and vehicles under the coverage. Aside from cars, the company also covers trucks, watercraft, RVs, and motorcycles. It also provides health and home insurance.
License: 734810
Expertise.com Rating
Review Sources
- 4.7
(94)
- Yelp
- 5.0
(1)
Why choose this provider?
Juan Cazares is a State Farm insurance agent based in Edinburg. He provides various insurance products including auto, home, business, health, life, and pet insurance. Cazares also offers insurance for banking and annuities. He graduated from the University of Texas-Pan American with a Degree in BBA-Management. Cazares has been a State Farm agent since 1982 and is a member of the Edinburg Chamber of Commerce. Additionally, Cazares is fluent in Spanish and can provide services to bilingual clients.
- Home & Auto Insurance
Compare our Top Local Car Insurance Agencies
Name | Expertise Rating | Address | Promotions | Learn more |
---|---|---|---|---|
Friendly Insurance Edinburg | 1727 West University Drive, Edinburg, TX78539 | View More | ||
Valley Insurance Services | 508 South 12th Avenue, Edinburg, TX78539 | View More | ||
AMCO Auto Insurance - Edinburg | 710 South Closner Boulevard, Edinburg, TX78573 | View More | ||
Greenspoint Insurance-Financial- Edinburg | 2002 West University Drive, Edinburg, TX78539 | View More | ||
Carina Ramos Insurance & Associates | 3109 South Alamo Road, Edinburg, TX78542 | View More | ||
Shepard Walton King Insurance Group - Harlingen | 1906B East Tyler Avenue, Harlingen, TX78550 | View More | ||
Connelly & Bartnesky Insurance Agency | 1209 East Harrison Avenue, Harlingen, TX78550 | View More | ||
Juan Cazares | 1408 South Closner Boulevard, Edinburg, TX78539 | View More |
FAQs
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 circ*mstances. 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.
Are auto insurance rates in Edinburg high?
Yes. On average, car insurance in Edinburg amounts to $173 per month or $2,072 annually, surpassing the average auto insurance cost in Texas. This variation is influenced by factors such as local accident rates, population density, driver age, and the chosen coverage type. The premiums may fluctuate based on individual circ*mstances.
Do Edinburg drivers need to have minimum liability insurance requirements on their policies?
Yes. Edinburg drivers must maintain a minimum liability insurance coverage as per state regulations. This requirement ensures that drivers have a basic level of coverage to legally use their vehicles. The minimum insurance policy should typically include $30,000 for bodily injury liability per person, $60,000 for bodily injury liability per accident, and $25,000 for property damage per accident.
How does DUI/DWI affect auto insurance costs in Edinburg?
Engaging in DUI and other driving offenses can result in increased auto insurance rates in Edinburg. The Texas Department of Public Safety (DPS) enforces a surcharge if a driver amasses six or more points on their license within three years. For DUIs/DWIs, this surcharge ranges from approximately $100 to $2,000 annually for three years. Additionally, individuals will be required to file an SR-22 form with their insurer, contributing to a rise in premiums.
Are there government programs in Edinburg to help drivers who cannot obtain car insurance through private companies?
Motorists in Edinburg can be eligible for the Texas Automobile Insurance Plan, which is a program of the Texas Department of Insurance. TAIPA provides basic liability coverage for individuals unable to secure auto insurance due to DWI/DUI convictions or multiple at-fault accidents. Its eligibility criteria include possessing a valid driver's license, being a Texas resident, and certifying rejection by two insurance companies within 60 days.
What benefits will Edinburg residents get if they bundle their auto and home insurance?
Edinburg residents could potentially receive discounts if they bundle their home and auto insurance since they will be merging two coverages into a single policy. Additionally, combining these two coverages gives them the advantage of a unified approach to payments and paperwork, which can help simplify the application process.
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 circ*mstances. 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 circ*mstance 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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