When shopping for car insurance, choosing the right Texas City car insurance agent is not as easy as just picking up the phone. Consumers require a good agent, but also competitive car insurance rates.
Drivers have multiple insurance agencies to purchase coverage from, and although it’s nice to be able to choose, having more insurance agents makes it harder to find the best rates for your vehicles.
Quote online, buy local
Licensed agents can help determine the best coverages and give you peace of mind. The best thing about getting online price quotes is that you can obtain the lowest rates but also keep your business local.
After filling out this short form, your coverage information is sent to insurance agents in Texas City who will compete for your coverage. There is no reason to visit any agencies due to the fact that quote results will go to the email address you provide. Now that’s easy!
Selecting an insurance agency shouldn’t rely on just a cheap price. Some important questions to ask are:
- Is working in the agency their full-time job?
- Does the agency provide any after hours assistance?
- Who is covered by the car insurance policy?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do the coverages you’re quoting properly cover your vehicle?
- Is the agent and/or agency licensed to do business in Texas?
Different types of Texas City car insurance agents
When looking for local Texas City agents, there are two different agency structures that you can select. Insurance agencies in Texas City are classified as either captive or independent (non-captive). Either one can properly insure your vehicles, but it’s worth mentioning the difference between them since it may influence the type of agent you choose
Captive Insurance Agents
These agents are contracted to one company and examples are Farmers Insurance or State Farm. They are unable to shop your coverage around so they are skilled at selling on more than just price. Captive agents receive extensive training on their company’s products which can be an advantage. Consumers sometimes buy from captive agents mainly due to high brand loyalty and strong financial ratings.
Below are Texas City captive agencies willing to provide rate quotes.
- State Farm Insurance – 2818 Palmer Hwy – Texas City, TX 77590 – (409) 945-3449
- Allstate Insurance – 2501 Palmer Hwy # 101 – Texas City, TX 77590 – (409) 948-1636
Independent Agencies or Brokers
Independent agencies are not required to write business for one company so they have the ability to put coverage with any number of different companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency. When comparison shopping, it’s recommended you include price quotes from at a minimum one independent agency for maximum quote selection. Most have the option of insuring with lesser-known insurance companies which can save you money.
The following are Texas City independent insurance agencies that can give you price quote information.
- Safe Insurance – 3510 1/2 Palmer Hwy – Texas City, TX 77590 – (409) 945-6522
- Agency Managers Ins Group LLC – 2929 Palmer Hwy # B – Texas City, TX 77590 – (409) 948-9902
- Insurance Plus Discount Auto – 3313 Palmer Hwy – Texas City, TX 77590 – (409) 945-5321
For a full directory of insurance agents in Texas City, view this link.
After receiving answers to your satisfaction for all questions you ask as well as a affordable price, you have narrowed it down to an auto insurance agent that can adequately provide car insurance.
Online companies can help you save
Professional insurance agents are indespensible for some people, but you also have the option of buying direct from companies online. Some specific companies, such as Farmers Insurance and State Farm, who employ agents also permit you to get quotes and purchase online, and online price comparisons are easy if you’re trying to lower your rates.
If you’re concerned about not having professional advice when buying direct, that should not be a issue. Companies all have toll-free customer service for customer questions. They also offer 24/7 live help and a car insurance FAQ section to clarify any questions you may have.
If the best price is important to you, the most effective way to determine who has the best deal, local agents or online insurance companies, is to get rates from both and compare them. It’s not unheard of to actually get different prices for the exact same company when they use both methods.
Can you save money buying online? It’s difficult to provide an answer because of the fact that insurance companies use many factors that influence the price you pay. Some people think that going direct saves the cost of an agent commission. For most companies selling online, however, advertising and marketing take a lot of money and that can cost more than having to pay agents.
To learn more about car insurance in Texas
More detailed Texas car insurance information can be found at the Texas Department of Insurance website. Visitors are able to find disaster information, read enforcement actions against agents and companies, find out which companies have the most complaints, and learn about insurance regulations.
Buy online or local, you save
As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where someone dropped comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. Your strategy should be to get the best coverage possible for the lowest price, not the least amount of coverage.
People change insurance companies for any number of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, denial of a claim and even extreme rates for teen drivers. It doesn’t matter what your reason, finding a new car insurance company is actually quite simple.