When trying to find a licensed insurance agent in Baytown, we recommend you start your research by getting online comparison quotes instead of making phone calls. It’s highly likely you not only want a professional agent, but you also want affordable coverage.
With insurance companies like independent agents, Allstate and State Farm having offices in Baytown, consumers have a hard time knowing which one will provide you with the best service and rates. To begin, consumers can get insurance quotes online to assemble a group of agencies and price estimates.
Online price comparisons from Baytown agents
Educated insurance agents can help determine the best coverages and give you someone to call. One of the best bonuses of price shopping on the web is you may find the lowest rates and still have an agent to talk to. And supporting local businesses is definitely important in Baytown.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is submitted to agents in your area who will battle to get your business. There is no reason to leave your computer due to the fact that quote results will go directly to your email. It doesn’t get any easier! You can find the lowest rates and work with a local agent.
Choose an insurance agent wisely
If you’re trying to find a local agent, you must know there are a couple different agency structures to choose from. Baytown agents can either be independent or captive.
Independent Agents (or Brokers)
Independent agents do not work for one specific company but rather can write business with many different companies and potentially find a lower price. To transfer your coverage to a different company, the business is moved internally and you don’t have to find a new agent.
When searching for an agent, you should always contact at least one independent agent for maximum quote selection.
Listed below are independent insurance agencies in Baytown that can give you comparison quotes.
Mark Farris Agency – 313 S Highway 146 # A – Baytown, TX 77520 – (281) 428-0996
A A Insurance Ctr – 1008 W Sterling St – Baytown, TX 77520 – (281) 422-9859
Larry Wilkey Insurance – 116 W Baker Rd – Baytown, TX 77521 – (281) 427-7471
Captive Insurance Agents
Captive agencies work for only one company like State Farm, Allstate and AAA. They generally cannot shop your coverage around so always compare other rates. Captive agents are usually quite knowledgeable on their company’s products which can be an advantage.
The following is a short list of captive insurance agencies in Baytown willing to provide comparison quotes.
Farm Bureau Insurance – 10403 Eagle Dr – Baytown, TX 77520 – (281) 576-0407
Allstate Insurance – 1109 W Baker Rd # A – Baytown, TX 77521 – (281) 422-7299
Farmers Insurance Group – 10425 Eagle Dr – Baytown, TX 77520 – (281) 576-6036
To view a complete directory of captive insurance agents in Baytown, visit this site.
Choosing a car insurance agent should depend on more than just a cheap price. Any agent should be forthright in answering these questions:
- If your car is totalled, how to they determine the replacement cost?
- If your car is in the repair shop, do you have coverage for a rental car?
- Do they assist clients in filing claims?
- Are they full-time agents?
- Do they feel the quoted coverages are adequate?
- Will their companies depreciate repairs to your car based on the mileage?
After receiving good answers to all your questions and a good coverage price, you may have just found an insurance agency that can insure your vehicles.
Do online companies have better prices?
Local insurance agents are important to many people, but you can also find affordable Texas auto insurance direct from companies that only sell online. Some specific companies who have local agents in Baytown also give you the ability to buy online, so keep that in mind.
If you’re uncomfortable with not receiving proper advice when shopping online, this is a normal reaction for first-time shoppers. Online companies provide phone numbers and online resources that you can contact for information. Many online companies also provide a frequently asked questions page that you can use if you have questions.
Is auto insurance cheaper online? It’s hard to say exactly because there are many factors that impact your rate calculation. Common sense would say that shopping direct saves the cost of an agent commission. But truthfully, the cost of constant advertising is expensive so there may not be significant savings.
More information is available on the website for the Texas Department of Insurance found here. Texas consumers can find a variety of consumer forms, get help finding coverage, read enforcement actions against agents and companies, and learn about specific coverages.
Buy online or local, you save
Budget-conscious auto insurance is available both online in addition to many Baytown insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and these small insurance companies work with independent agents.
Consumers switch companies for a number of reasons such as lack of trust in their agent, an unsatisfactory settlement offer, not issuing a premium refund or extreme rates for teen drivers. It doesn’t matter why you want to switch switching auto insurance companies is not as hard as you think.