When buying auto insurance in Bay City, selecting the best Bay City insurance agency for your needs is more difficult than just driving to the closest agent’s office. There is a good chance you’re not only searching for an excellent agent, but you also want to find great rates as well.
With companies like American Family, Allstate, State Farm and Farmers having local Bay City offices, it’s difficult to determine which provider will have the lowest rates and best service. To help decide, consumers can use online quoting to get a list of insurance agencies and thier coverage prices.
Comparing prices from Bay City agents
Licensed agents can answer important questions and help submit paperwork. One of the great benefits of price shopping on the web is the fact that you can find the best rates but still work with a licensed agent. Supporting small agencies is definitely important in Bay City.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is emailed to companies in Bay City who will compete for your coverage. There is no need to even leave your home due to the fact that quote results will go straight to your inbox. How cool is that?!
What type of Bay City auto insurance agent is right for you?
When finding a good Bay City insurance agent, you must know there are a couple different agency structures to choose from. Agents are classified as either captive or independent. Both types can write coverage properly, but it’s worth learning the differences because it can influence your selection of an agent.
Independent Agents (or Brokers)
Independent agents do not work for one specific company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent.
When shopping rates, it’s a good idea to include multiple independent agents to ensure the widest selection of prices. Many write coverage with smaller companies which can be an advantage.
Listed below are independent agencies in Bay City who can help you get competitive price quotes.
- Best Insurance Inc – 2515 7th St – Bay City, TX 77414 – (979) 245-6699
- Gary L Krenek Insurance – 2323 7th St – Bay City, TX 77414 – (979) 245-0200
Captive Insurance Agents
These agents are contracted to one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. They are well schooled on the products they sell which can be an advantage. Consumers frequently buy from captive agents mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.
Listed below is a short list of captive insurance agencies in Bay City that are able to give price quote information.
- Allstate Insurance – 3120a Avenue F – Bay City, TX 77414 – (979) 244-4671
- Farmers Insurance Group – 1916 Nichols Ave – Bay City, TX 77414 – (979) 245-3317
- Farm Bureau Insurance – 901 Avenue F N – Bay City, TX 77414 – (979) 245-9139
For a complete listing of captive insurance agencies in Bay City, visit this site.
Deciding on an auto insurance agent shouldn’t rely on just the price. These questions are important to ask:
- How often do they review policy coverages?
- What insurance companies do they work with?
- Do the coverages you’re quoting properly cover your vehicle?
- Do they assist clients in filing claims?
- Does the agency provide any after hours assistance?
- Who is covered by the car insurance policy?
- Is the agency involved in supporting local community causes?
Upon receiving good answers to these questions as well as a affordable price, chances are good that you have found an insurance agency that is a good match to insure your vehicles.
Are online companies an option?
Insurance agents are important, but you can also buy Texas car insurance direct from companies online. Some specific companies, such as Farmers Insurance and State Farm, that are more known for using agents, also give you the ability to buy a policy online, and that can save time if the lowest rate is your goal.
If you’re worried about not receiving proper advice, this really isn’t an issue. Online companies that allow you to purchase coverage provide toll-free numbers for answering any questions you have. Additionally, most companies also offer online education and live help anytime you can access prior to buying.
Will you save money buying auto insurance online? Many people think so, but it’s hard to say for sure since there are so many components that are calculated into your premium. Common sense would say that a consumer who buys direct prevents the agent from taking a cut. But the reality is there are high advertising and marketing costs and that can cost more than having to pay agents.
To learn even more about auto insurance
Additional information can be read on the Texas Department of Insurance website found here. Texas drivers can find out industry alerts, read consumer alerts, and read state legal mandates and laws.
Quote more, save more
Cheaper auto insurance is definitely available from both online companies and with local Bay City insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.
Drivers switch companies for any number of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, lack of trust in their agent or even poor customer service. It doesn’t matter what your reason, finding a new company can be less work than you think.