Finding good car insurance in Mont Belvieu can be challenging since selecting the best Mont Belvieu insurance agent for your needs takes more work than just picking up the phone. It’s likely you’re wanting a professional agent, but you also want the best rates possible.
With State Farm, Allstate and Farmers Insurance all competing for your business, consumers have a hard time knowing which provider will provide you with the best service and rates. Fortunately, you can use insurance quotes online to build a list of agents and thier coverage prices.
Save time by quoting online
Agents can point out coverage gaps and help file insurance claims. One of the best bonuses of getting online price quotes is that you can obtain the best rates and still have an agent to talk to. And supporting local insurance agencies is especially important in Mont Belvieu.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information gets sent to local insurance agents who will give you bids for your business. You never need to visit any agencies because quoted prices will be sent straight to your inbox. Now that’s easy!
Types of insurance agents
When finding local Mont Belvieu agents, you need to know there are two different agency structures from which to choose. Agencies in Mont Belvieu are categorized either independent (non-captive) or captive. While both can do a good job, but it’s worth learning how they differ because it can impact your agent selection.
Independent Agents
Independent agencies do not work for one specific company but rather can write business with many different companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies.
When comparing rates, we recommend you get quotes from at a minimum one independent agency to ensure the widest selection of prices.
Listed below is a short list of independent agencies in Mont Belvieu willing to provide comparison quotes.
Trevco Insurance – 9535 N Highway 146 – Mont Belvieu, TX 77580 – (281) 385-0072
Captive Insurance Agents
These agents can only place business with one company and examples are AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. These agents are not able to compare other company’s rates so they have no alternatives for high prices. Captive agencies are very knowledgeable on their products and sales techniques and that can be a competitive advantage.
Selecting an auto insurance agent needs to be determined by more than just the bottom line cost. Any agent should have no problem answering these questions:
- If you have an accident, will your rates go up?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How long has their agency been open in Mont Belvieu?
- Do they review policy coverages at every renewal?
- Can they give you a list of client referrals?
- Do they feel the quoted coverages are adequate?
- Who are their largest clients?
After getting good answers and a good coverage price, you may have just found an auto insurance agent that can provide car insurance coverage.
Also consider buying direct
Insurance agents are indespensible for some people, but Texas car insurance can also be bought direct online. Some companies, such as Farmers Insurance and State Farm, who employ agents also permit you to buy direct on their websites, and that can save time to possibly find a better rate.
If you’re concerned about choosing your own coverages when shopping online, don’t sweat it. All companies have customer service departments for answering any questions you have.
Is pricing better online? It’s hard to say exactly since there are so many factors that are calculated into your premium. Common sense would say that shopping direct reduces premiums because there is no agent. But in reality, advertising and marketing take a lot of money and that can cost more than having to pay agents.
More quotes mean more savings
Drivers who switch companies do it for many reasons like delays in paying claims, high rates after DUI convictions, an unsatisfactory settlement offer or policy non-renewal. Whatever your reason, choosing a new insurance company can be easier than you think.
The cheapest car insurance can be bought on the web and also from your neighborhood Mont Belvieu agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies may not provide online quoting and these regional insurance providers work with independent agents.
Read more about Texas car insurance
Much more information about car insurance in Texas is available on the website for the Texas Department of Insurance located here. Texas consumers can find a variety of consumer forms, read consumer alerts, learn about insurance regulations, and find out which companies have the most complaints.
Other informative sites include NAIC.org’s Understanding your Policy and this page on QuoteClickInsure.com.