When shopping for auto insurance, choosing the right Freeport insurance agency is harder than just randomly choosing from the yellow pages. Consumers require a good agent that listens to you, but also the best possible price.
Insurance companies such as Allstate and Progressive persitently shower you with catchy ads and it is challenging if not impossible to ignore the promise of big savings and effectively compare rates to find the best deal.
Car Insurance from Freeport insurance agents
Agents are trained to spot inefficiencies and help you file claims. The best thing about price shopping on the web is you can get the best rates and still have an agent to talk to.
To make it easy to find an agent, after completing this short form, the coverage information is immediately sent to local insurance agents who will compete for your business. There is no reason to leave your house as quotes are delivered immediately to your email address. Now that’s easy! You’ll get the best rates AND an agent nearby.
Choosing an insurance agency shouldn’t rely on just the price. Here are some questions to ask:
- Do they carry Errors and Omissions coverage?
- Do they feel the quoted coverages are adequate?
- How are they compensated?
- Did they already check your driving record and credit reports?
- Do they make recommendations based only on price?
Types of insurance agents
When finding local Freeport agents, there are two different agency structures that you can select. Agencies in Freeport are classified as either independent or captive.
Captive Insurance Agents
Captive agencies are contracted to one company like State Farm or Allstate. These agents are unable to give you multiple price quotes so always compare other rates. Captive agencies are well schooled in insurance sales and that can be a competitive advantage.
Shown below are Freeport captive agents that are able to give rate quotes.
State Farm Insurance – 326 S Brazosport Blvd – Freeport, TX 77541 – (979) 233-6088
Independent Insurance Agents
These agents are not employed by any specific company but rather can write business with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part. When comparison shopping, it’s a good idea to contact multiple independent agents for maximum quote selection.
Listed below is a list of independent agencies in Freeport willing to provide comparison quotes.
Ben Andrews Insurance – 1811 N Brazosport Blvd – Freeport, TX 77541 – (979) 233-5553
Robert Moore Insurance – 1201 N Avenue H # 218 – Freeport, TX 77541 – (979) 233-1200
To view a complete directory of insurance agents in Freeport, go to this page.
After getting satisfactory answers and a good coverage price, chances are good that you have found a car insurance agent that will properly service your auto insurance policy.
Online companies can help you save
Auto insurance agents are perfect for certain consumers, but Texas consumers also have the option to buy from online companies direct. A few companies, such as State Farm, Allstate and Farmers, who have local Freeport agents also permit you to buy a policy online, and that can save time if you don’t want to take the time to contact agents.
If you’re apprehensive about not having someone to ask questions when buying direct, don’t sweat it. Companies have toll-free phone numbers and other options for answering any questions you have. You may also access the ability to chat online live with a sales rep and online research to clarify any questions you may have.
Does car insurance cost less online? The answer is complex because of the fact that insurance companies use many factors which can raise or lower premium rates. You may think that buying direct saves the cost of an agent commission. In many cases, marketing their products costs a lot of money so the lack of a commission may be a wash.
The only method to determine if car insurance prices are lower online or from agents is to set aside time to compare rates from both. You can actually get different rates when getting a price from both an agent and online for the same auto insurance company.
Shop smart and save
When buying insurance coverage, never reduce coverage to reduce premium. There have been many situations where someone sacrificed physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at a price you can afford while still protecting your assets.
Drivers leave their current company for a number of reasons such as denial of a claim, lack of trust in their agent, delays in paying claims or delays in responding to claim requests. Regardless of your reason, switching auto insurance companies is less work than it seems.
Some additional reading
More tips and info about auto insurance is available at the Texas Department of Insurance website. Texas consumers can read industry bulletins, file complaints about an insurance agent or broker, and get help finding coverage.