Comparing car insurance companies in Pearland, TX can be challenging because picking a good Texas insurance agent is not as easy as just making a phone call. Consumers need a competent insurance agent, but also need affordable rates.
With consumers having so many options when it comes to car insurance, it can be diffult for consumers to choose the lowest price insurance company.
Working with a local agent
Educated insurance agents are trained to spot inefficiencies and give you peace of mind. One of the great benefits of getting online price quotes is you can get the best rates and still choose a local agent.
After completing this quick form, your information gets sent to insurance agents in Pearland who will return price quotes to get your business. You never need to visit any agencies due to the fact that quote results will go immediately to your email address. It doesn’t get any easier!
Selecting a car insurance agent should depend on more than just the premium amount. These are valid questions to ask:
- If you are a high risk driver, do they have special markets for your coverage?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Will their companies depreciate repairs to your car based on the mileage?
- Do they feel the quoted coverages are adequate?
- Can glass repairs be made at your home?
- What is the agency’s Better Business Bureau rating?
- How many years of experience in personal lines insurance coverages do they have?
- If your car is totalled, how to they determine the replacement cost?
Independent or Captive: It’s your choice
When searching for a reputable insurance agent or broker, there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies in Pearland are classified as either captive or independent (non-captive). While both can insure your vehicles, but it’s important to know how they differ because it can influence the type of agent you choose
Captive Insurance Agents
Captive agents are contracted to one company and examples are Allstate, Farmers Insurance, State Farm and AAA. Captives cannot give you multiple price quotes so it’s a take it or leave it situation. Captive agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
The following are captive agencies in Pearland willing to provide comparison quotes.
State Farm Insurance – 5517 Broadway St # D – Pearland, TX 77581 – (281) 485-5558
Allstate Insurance – 9330 Broadway St # 300 – Pearland, TX 77584 – (281) 412-5902
Farmers Insurance Group – 2640 Broadway St # 112 – Pearland, TX 77581 – (281) 412-5905
Independent Agents
Independent agencies are not locked into one company so they can insure your vehicles with lots of companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally and that require little work on your part.
When comparison shopping, we recommend you include price quotes from at a minimum one independent agency for maximum quote selection.
The following is a short list of independent insurance agents in Pearland that can give you rate quotes.
Jo Laird Agency – 3222 Regal Oaks Dr – Pearland, TX 77581 – (281) 485-2232
American National Insurance – 2405 Grand Blvd – Pearland, TX 77581 – (281) 485-9663
Craig Slater Insurance – 2705 Shakespeare St – Pearland, TX 77581 – (281) 997-7575
Joe Cook Agency – 6713 Broadway St # H – Pearland, TX 77581 – (281) 997-2662
For a complete listing of licensed insurance agents in Pearland, go to this page.
Once you have received positive feedback for all questions you ask and an acceptable price quote, chances are good that you have found an auto insurance agent that meets your needs to adequately provide car insurance.
Online car insurance companies
Professional insurance agents serve a purpose, but Texas consumers also have the option to buy from companies direct over the internet. Even companies that sell primarily through agents also give you the option to buy direct on their websites, so that should be considered.
If you’re worried about whether or not you’ll have guidance, this really isn’t an issue. Auto insurance companies all provide contact methods that you can contact for information.
Are online rates lower? It’s difficult to say for sure because there are a lot of things that impact your premium. You may think that buying direct saves the commission normally paid to an agent. But truthfully, the cost of constant advertising is expensive so rates may not be all that different from traditional agents.
Affordable insurance is out there
Discount car insurance can be purchased both online in addition to many Pearland insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.
While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice liability limits or collision coverage to discover at claim time that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at an affordable rate.
More tips and info about car insurance can be read at the Texas Department of Insurance website. Texas consumers can view a list of available companies, get help finding coverage, and read consumer alerts.
Also read more on this online resource for car insurance quotes in Texas and this list of insurance agents in Pearland.