Comparing car insurance companies in Pasadena, Texas can be challenging because you have many choices and picking a good Texas insurance agency takes more work than just driving to the closest agent’s office. It’s highly likely you’re not only searching for a great agent that can assess your needs, but you also want to find affordable coverage.
With companies like American Family, Allstate, State Farm and independent agents all competing for your business, consumers have a hard time knowing which one will provide you with the cheapest rates and the best coverage. Thankfully, consumers can get insurance quotes online to build a list of agents and price estimates.
Price shop online but buy from a local Pasadena agent
Agents can help determine the best coverages and help in the event of a claim. The biggest benefit of comparing insurance prices online is that you can obtain the best rates but still work with a licensed agent. Supporting local agencies is important especially in Pasadena.
For easy comparison, once you complete this simple form, your insurance coverage information is emailed to agents in your area who will compete to get your business. You never need to leave your house as quotes are delivered to your email. How cool is that?!
Compare rates from both independent and captive insurance agents
If you’re trying to find a reliable agent, you must know there are a couple different agency structures that you can select. Pasadena agents can either be captive or independent. While both can write coverage properly, but it’s important to know how they differ because it can influence the selection process.
Independent Insurance Agents
These agents are not required to write business for one company but rather can write business with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies.
When comparing rates, it’s a good idea to include several independent insurance agents to ensure the widest selection of prices. Most have the option of insuring with smaller companies who may have lower rates.
Listed below are independent agents in Pasadena that can give you competitive price quotes.
- America Standard Agency-Tx – 1703 Shaver St – Pasadena, TX 77502 – (713) 777-2886
- Johnnie H Eddins Agency – 515 Main St – Pasadena, TX 77506 – (713) 477-3608
- Mccoy’s Insurance – 4016 Strawberry Rd – Pasadena, TX 77504 – (281) 991-0215
- American National Insurance Co – 6307 Fairmont Pkwy – Pasadena, TX 77505 – (281) 487-2400
- David Walker Agency – 1710 E Martha Ln – Pasadena, TX 77502 – (713) 661-8498
Captive Insurance Agents
Captive agents can only place business with one company such as Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are not able to shop your coverage around so always compare other rates. These agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents. Consumers sometimes buy insurance from these agents mostly because of high brand loyalty and the convenience of having all coverages with one company.
Shown below is a list of captive agencies in Pasadena that are able to give price quote information.
- Allstate Insurance – 6711 Spencer Hwy – Pasadena, TX 77505 – (281) 991-8600
- Farmers Insurance Group – 1541 Richey St – Pasadena, TX 77502 – (713) 534-7277
To view a full list of captive agencies in Pasadena, click here to link.
Selecting a car insurance agent should depend on more than just a cheap price. Ask your prospective agent these questions:
- Are there any discounts that you might be missing?
- Is assistance available after office hours?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How much will you save each year by using a higher deductible?
- Are there any hidden costs in their price quote and does it include driving and credit history?
After getting satisfactory answers to your questions and an affordable coverage quote, you’ve probably found an auto insurance agent that can properly insure your vehicles.
Can I save by cutting out the agent?
Insurance agencies are perfect for certain consumers, but Texas car insurance can also be bought from companies direct over the internet. Certain auto insurance companies like State Farm and Allstate that are more known for using agents, also give you the ability to buy direct online. This is something to consider if you’re trying to lower your rates.
If you’re worried about not getting advice from an agent, that is normal but is not a big issue. Online companies provide access to licensed agents for getting questions answered.
Do online companies provide lower prices? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since companies use quite a few components which can adversely affect your policy premium. It’s often assumed that buying directly from the company prevents the agent from taking a cut. For most companies selling online, however, the cost of constant advertising is expensive and that can cost more than having to pay agents.
Final thoughts
Affordable car insurance can be bought both online and with local Pasadena insurance agents, so compare prices from both to get a complete price analysis. A few companies do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
When you buy insurance online, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut physical damage coverage and learned later that the savings was not a smart move. Your strategy should be to get the best coverage possible at the best price, not the least amount of coverage.
More sites with car insurance information
More information can be found on the Texas Department of Insurance website found here. Consumers can read state legal mandates and laws, learn about insurance regulations, and download brochures.