If you’re looking for a good Alvin agent, we recommend you do the preliminary legwork for an agent online to save yourself time. We’re guessing you’re looking for a good agent, but also affordable coverage.
With State Farm, Allstate and many independent agents having local Alvin offices, it’s difficult to determine which insurance agency will provide the best rates, service and coverage. Thankfully, you can use online price quotes to assemble a group of insurance agencies from which to choose.
Your insurance agent down the street
Educated insurance agents are trained to spot inefficiencies and give you peace of mind. The best thing about price shopping on the web is you can get lower rates but still work with a licensed agent. And providing support for small agencies is definitely important in Alvin.
To help locate an agent, after submitting this simple form, your coverage information is submitted to participating agents in Alvin who will compete for your coverage. You don’t have to drive around due to the fact that quote results will go to your email. How cool is that?!
Different types of Alvin car insurance agents
If you’re trying to find a good Alvin insurance agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Alvin agents can either be independent (non-captive) or captive. Both types can insure your vehicles, but it’s worth learning the difference between them because it can impact buying decisions.
Independent Insurance Agents
Independent agents are not employed by any specific company but instead can place your coverage with multiple insurance companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies. When shopping rates, it’s recommended you include price quotes from at a minimum one independent agency to have the most options to choose from.
The following is a list of independent insurance agencies in Alvin that may be able to provide comparison quotes.
Patricia Burr Insurance – – Alvin, TX 77511 – (281) 585-5840
Erwin Insurance Agency – 1480 E Highway 6 – Alvin, TX 77511 – (281) 388-2127
Independent Insurance Cnslrs – 302 S Gordon St – Alvin, TX 77511 – (281) 331-3131
Dillman Agency Inc – 1111 Fm 1462 Rd – Alvin, TX 77511 – (281) 331-7414
Agency Captives
Captive agencies can only place business with one company and examples are Farmers Insurance or State Farm. Captives cannot give you multiple price quotes so always compare other rates. Captive agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents.
Shown below is a short list of captive insurance agents in Alvin that are able to give price quote information.
Farmers Insurance Group – 1824 S Gordon St # 1 – Alvin, TX 77511 – (281) 331-1000
State Farm Insurance – 108 N Gordon St – Alvin, TX 77511 – (281) 331-4132
Allstate Insurance – 400 E House St – Alvin, TX 77511 – (281) 388-2754
For a complete listing of captive agents in Alvin, click here to link.
Selecting an insurance agency should depend on more than just a cheap price. These are valid questions to ask:
- If your car is totalled, how to they determine the replacement cost?
- Do they have any clout with companies to ensure a fair claim settlement?
- How much will you save each year by using a higher deductible?
- Who is covered by the car insurance policy?
- Do they carry Errors and Omissions coverage?
After receiving positive responses to all your questions and an acceptable price quote, chances are good that you have found an insurance agent that can properly insure your vehicles.
Buying direct is an option
Insurance agencies are important to many people, but you also have the option of buying Texas car insurance directly from online companies. Even companies like Allstate and State Farm who employ agents also allow consumers to buy direct online, so that should be considered.
If you’re worried about not receiving proper advice when buying online, this really isn’t an issue. Online car insurance companies all have toll-free customer service to walk you through the process. You can also use extensive coverage information and 24/7 assistance to make it easier to purchase.
Is pricing better online? It’s difficult to say for sure since there may be dozens of rate factors that impact your final bill. It’s a common assumption that buying direct saves money by not requiring a commission. In reality, there are very high advertising costs so the lack of a commission may be a wash.
The only way to determine who has the best rates, online companies or local insurance agents, is comparing prices for both of them. You could possible even receive different price quotes from the same car insurance company from their agents and their website. But it’s impossible to know whether the best rates are online or from an agent until you actually compare rates from both.
More quotes mean more savings
When shopping online for auto insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where drivers have reduced collision coverage only to find out that they should have had better coverage. Your focus should be to find the BEST coverage for the lowest price while still protecting your assets.
Drivers leave their current company for any number of reasons including an unsatisfactory settlement offer, policy cancellation, high prices or even delays in responding to claim requests. Regardless of your reason, finding the right auto insurance provider can be easier than you think.
More information is located on the website for the Texas Department of Insurance located here. Texas consumers can find a variety of consumer forms, discover disciplinary actions, and read enforcement actions against agents and companies.