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Save on Texas Auto Insurance

Free car insurance quotes online or with local Texas agents

Let Agents in your Area Compete for your Business!

FACT: Most insurance companies DO NOT sell insurance online! To ensure you are getting the BEST DEAL on auto insurance, we recommend getting quotes from multiple agents and companies!

Why Should you get Quotes from Several Agents?

By obtaining quotes from multiple agents, you are ensuring you are getting the most competitive rates from the widest selection of companies. Agents may also recommend coverages that you may not know you need based on your submitted quote information.

There are essentially two ways to buy car insurance in Texas

• The first, is to quote directly through online providers such as Progressive and Geico. This approach is recommended for consumers who are educated about auto insurance and are comfortable with purchasing their own coverage.
• The second and more common approach to buying car insurance is to buy through a local agent. There are generally two types of insurance agents in Texas:
  • Captive Agents - These are agents that write for only one company only. An example of a captive agent would be a State Farm agent.
  • Independent Agents - These are agents who represent multiple insurance companies and can shop your coverage between companies to get the best rate. Examples of companies independent agents write with are Nationwide, Travelers, AIG, Chubb, Allstate and Progressive. Nationwide and Allstate use both captive AND independent agent channels.

Frequently asked questions about getting multiple agent quotes

I don't want to be pestered by agents. Isn't that why I'm buying online?

You have complete control over how agents contact you after submitting your information. If you wish to not be contacted by phone, you can simply select the email option. You can view your quotes at your leisure without any pressure to buy.

How do I know the coverages are the same between quotes?

Agents will quote their coverages based on the information you submit on the quote form. If you are shopping your current car insurance around, we recommend entering the same coverage information found on your current policy declarations page. If you enter different values, it will be harder to determine if a price is better than you're currently paying.

I live in a rural area. What agencies will quote my coverage?

The nice thing about auto insurance is it really doesn't matter where your agent is physically located. Many car insurance companies have mobile loss adjusters, so in the event you do have a claim, they have the ability to come to you. The agencies who provide quotes may not be located in your town, but they can easily be contacted via phone, fax or email.

So what's better? Buying car insurance online or through an agent?

Where you ultimately purchase your car insurance is entirely up to you, but for the easiest comparison shopping, we recommend comparing the top 2-3 online insurance companies AND quoting through multiple agents.

By using this technique, you not only get car insurance rates from the top online insurance companies, but you also get the best rates from multiple agents as well. If you receive agent quotes from five different agencies, you can be comparing the best rates of 15 different insurance companies or more!