When searching for a good insurance agent in Deer Park, TX, you can do the preliminary legwork by comparing prices online in order to save time. You require a good agent, and also want to find the lowest rates in Deer Park.
Insurance companies such as State Farm and GEICO constantly blast consumers with TV and radio ads and consumers find it hard to ignore the promise of big savings and find the best price available.
Local Deer Park agents and car insurance
Good agents can help determine the best coverages and help you file claims. One of the best bonuses of price shopping on the web is that you can obtain lower rates but also keep your business local.
Upon completion of this simple form, your insurance data is sent to insurance agents in Deer Park who will return price quotes to get your business. You never need to leave your computer since price quotes are sent immediately to your email address. Now that’s easy! You can find better rates AND a local agent.
Choosing an insurance agency needs to be determined by more than just a low price. Agents should be asked these questions:
- Is the agency involved in supporting local community causes?
- What will you get paid if your car is a total loss? How is that amount determined?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Which company do they place the most coverage with?
- Can they give you a list of client referrals?
- Is assistance available after office hours?
Two types of insurance agents
When finding an insurance agent, you need to know there are two types of insurance agents that differ in how they can insure your vehicles. Agents are either independent or captive.
Captive Insurance Agents
This type of agents have only one company to place business with like State Farm, AAA, Farmers Insurance or Allstate. They generally cannot provide prices from multiple companies so always compare other rates. Captive agencies are usually quite knowledgeable on the products they sell and that can be a competitive advantage.
Shown below are captive agents in Deer Park who may provide you with price quote information.
Allstate Insurance – 9623 Spencer Highway – Deer Park, TX 77536 – (281) 478-6577
Farmers Insurance Group – 418 E San Augustine St – Deer Park, TX 77536 – (281) 479-5218
Farm Bureau Insurance – 2309 Center St – Deer Park, TX 77536 – (281) 930-9722
Independent Insurance Agents
These agents do not work for one specific company but instead can place your coverage with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies. When searching for an agent, we recommend you include price quotes from at a minimum one independent agency for maximum quote selection.
The following are independent agencies in Deer Park who can help you get price quotes.
Les Leeard Agency – 418 E San Augustine St – Deer Park, TX 77536 – (281) 476-0116
Chatham and Moore Insurance – 415 N Tenth St – Deer Park, TX 77536 – (281) 446-4742
Harbers Insurance – 3011 E Pasadena Blvd – Deer Park, TX 77536 – (281) 930-1230
For a complete listing of Deer Park insurance agents, view this link.
Once you have acceptable answers to all your questions and an affordable coverage quote, you may have just found a car insurance agent that meets your needs to service your policy.
But what about GEICO and Esurance?
Licensed agents are a valuable resource, but Texas drivers can also buy direct from companies that only sell online. A few companies like State Farm and Allstate that sell primarily through agents also permit you to buy a policy online, so this should also be taken into consideration.
If you’re apprehensive about having to choose coverages yourself when buying online, this is normal but is quickly overcome. Insurance companies provide toll-free numbers to answer your questions.
Are car insurance rates lower online? The answer to that question is complicated since companies use quite a few components that can increase policy rates. It’s often assumed that going direct reduces premiums because there is no agent. For most online online companies, however, online and traditional media advertising are expensive 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 to get free quotes from both and compare them. You could possible even receive different price quotes when getting a price from both an agent and online for the identical company. You won’t discover whether the best rates are online or from an agent unless you compare quotes for identical coverages for both.
Shop smart and save
Drivers change insurance companies for a variety of reasons including lack of trust in their agent, high prices, high rates after DUI convictions and even being labeled a high risk driver. No matter why you want to switch, finding the right car insurance provider is pretty easy and you might even save some money in the process.
When you buy insurance online, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.
To learn even more about car insurance
More detailed Texas car insurance information can be read at the Texas Department of Insurance website. Visitors are able to read state legal mandates and laws, read enforcement actions against agents and companies, and find a variety of consumer forms.