Finding good car insurance in Port Neches can be challenging since picking a good Texas insurance agent is harder than just randomly choosing from the yellow pages. You require a highly trained agent, but also cheap rates.
There is such a variety of auto insurance agents to purchase coverage from, and although it’s a good thing to be able to choose, too many choices makes it more difficult to get the best deal.
Working with a local agent
Licensed agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of getting online price quotes is you can get the best rates but also keep your business local.
After filling out this quick form, your insurance data is transmitted to companies in Port Neches who will return price quotes for your insurance coverage. You don’t have to even leave your home since price quotes are sent to your email. It doesn’t get any easier!
Picking a car insurance agent shouldn’t rely on just the price. Any agent should be forthright in answering these questions:
- Is working in the agency their full-time job?
- Do they regularly work with personal auto policies?
- Do they feel the quoted coverages are adequate?
- What insurance companies do they work with?
- Does the agency have a good rating with the Better Business Bureau?
- Does the agent have professional designations like CIC, CPCU or AIC?
Port Neches car insurance agents come in two flavors
When searching for a good Port Neches insurance agent, there are two types of insurance agents that you can select. Agents are either independent (non-captive) or captive. Either one can do a good job, but it’s worth mentioning how they differ because it can impact buying decisions.
Agency Captives
These agents work for only one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. They usually cannot compare other company’s rates so they have no alternatives for high prices. Captive agencies are very knowledgeable on their products and sales techniques which can be an advantage. Some people will only choose to use a captive agent partially due to the brand legacy and strong financial ratings.
Below are captive agents in Port Neches that are able to give price quotes.
- Allstate Insurance – 2825 Nall St # 19a – Port Neches, TX 77651 – (409) 726-8040
- State Farm Insurance – 1104 Magnolia Ave – Port Neches, TX 77651 – (409) 722-5102
Independent Insurance Agents
These agents do not work for one specific company but instead can place your coverage with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house without you having to go to a different agency.
When comparing rates, it’s recommended you contact at a minimum one independent agency to get the best comparison. They often place coverage with different regional companies which can be an advantage.
Shown below is a short list of independent insurance agencies in Port Neches that can give you rate quotes.
- Mc Ferrin Insurance – 1425 Nall St – Port Neches, TX 77651 – (409) 722-8317
- Moss Insurance – 2114 Nall St – Port Neches, TX 77651 – (409) 727-1692
- Jan Collier Agency – 2402 Nall St – Port Neches, TX 77651 – (409) 721-6438
To view a full list of car insurance agents in Port Neches, please click here.
Upon receiving reasonable responses to all your questions and an affordable coverage quote, most likely you have located a car insurance agent that meets your needs to service your policy.
Can I save by buying online?
Auto insurance agents can be invaluable at times, but Texas consumers also have the option to buy from companies direct over the internet. Some specific companies like State Farm and Allstate who employ agents also permit you to buy a policy online, and online price comparisons are easy and can also potentially find you lower rates.
If you’re uneasy about whether or not you’ll have guidance when buying direct, that shouldn’t be an issue. Online insurance companies all have client service departments for getting the best coverage. Also available are help pages and frequently asked questions to help you answer questions.
The only way to determine if the best rates are online or from local agents is to get rates from both and compare them. It’s fairly common that you receive different coverage costs for the identical company depending on where you get the price quote from. You won’t discover which is cheaper until after you compare the same coverages each way.
Is auto insurance cheaper online? Whether or not you’ll save is impossible to say because there are so many things that influence your rates. Common logic is that purchasing direct online saves by not paying a commission. But the reality is it’s expensive to advertise so there may not be significant savings.
A tidy conclusion
People leave their current company for a number of reasons such as extreme rates for teen drivers, policy non-renewal, delays in paying claims or not issuing a premium refund. Whatever your reason, finding the right car insurance provider is not as hard as you think.
As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where an insured cut physical damage coverage and learned later that the savings was not a smart move. The aim is to buy enough coverage at a price you can afford while not skimping on critical coverages.
More tips and info about car insurance is located at the Texas Department of Insurance website. Visitors are able to view a list of available companies, read consumer alerts, discover disciplinary actions, and get help finding coverage.