If you’re trying to find an insurance agent in Bellaire, Texas, it’s recommended you start your search by getting online comparison quotes to save time. The chances are good that not only do you want a professional agent, but also the best rates possible.
With companies like Allstate, Farmers and State Farm as well as independent agents all competing for your business, it’s hard to tell which one will provide the cheapest rates and the best coverage. To help decide, consumers can use online price quotes to get a list of agents and price estimates.
Local Bellaire agents and auto insurance
Licensed agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of comparing rates online is that you can obtain lower rates and still choose a local agent. Buying from local agencies is important particularly in Bellaire.
After completing this quick form, your coverage information is sent to companies in Bellaire who will battle to get your business. You never need to drive around because quoted prices will be sent straight to your inbox. Now that’s easy! It’s the lowest rates and an insurance agent to talk to.
Bellaire insurance agents are either independent or captive
When looking for a reliable agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Bellaire agents are either independent or captive.
Independent Agents
Independent agents are not employed by any specific company so they can insure your vehicles with lots of companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies and that require little work on your part.
When comparing rates, we recommend you include at a minimum one independent agency for the best price selection. Many write coverage with smaller companies which can be an advantage.
The following are Bellaire independent agents that may be able to provide pricing information.
- Frost Insurance Agency Inc – 6750 West Loop S # 300 – Bellaire, TX 77401 – (713) 388-1250
- Benefit Insurance Consultants – 6565 West Loop S # 538 – Bellaire, TX 77401 – (713) 666-6886
- Family Auto Insurance – 5400 Bellaire Blvd # I – Bellaire, TX 77401 – (713) 667-2886
- Larry Haas Agency – 5114 Bissonnet St – Bellaire, TX 77401 – (713) 667-8999
Captive Insurance Agents
This type of agents are contracted to one company and some examples include AAA, State Farm, Farmers Insurance and Allstate. They usually cannot shop your coverage around so always compare other rates. Captive agents are usually quite knowledgeable on the products they sell which helps them compete with independent agents. Some consumers prefer to buy insurance from these agents primarily because of the brand legacy and solid financial strength.
The following are captive insurance agents in Bellaire that are able to give comparison quotes.
- Allstate Insurance – 4545 Bissonnet St # 130 – Bellaire, TX 77401 – (713) 661-0893
To view a full list of auto insurance agents in Bellaire, go to this page.
Picking a car insurance agent shouldn’t rely on just the bottom line cost. Agents should be asked these questions:
- Do they carry Errors and Omissions coverage?
- Are there any discounts that you might be missing?
- What is the agency’s Better Business Bureau rating?
- Is vehicle mileage a factor when determining depreciation for repairs?
- If you have an accident, will your rates go up?
- How are claims handled?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- If your car is in the repair shop, do you have coverage for a rental car?
After getting acceptable answers to your questions and an affordable coverage quote, you have narrowed it down to an insurance agent that is a good match to adequately provide auto insurance.
Alternatives to buying from an agent
Insurance agents are important, but you can also find affordable Texas auto insurance from online companies direct. Even companies that are more known for using agents, also allow consumers to buy online, and that is helpful and can also potentially find you lower rates.
If you’re apprehensive about selecting your own policy coverages when buying car insurance direct, that shouldn’t be an issue. Online insurance companies provide customer service for customer questions.
If the lowest price is important, the best way to know where you can get the lowest rate, either online or from agents, is to compare price quotes from both. You may actually get a different price comparing agents to online prices for the identical company.
Does coverage cost less online? It’s hard to say exactly since there are so many components that impact your premium. Some people think that going direct cuts out the middleman. In many cases, advertising budgets are huge so the rates may be similar to buying from an agent.
Learn more today
More information is located on the Texas Department of Insurance website found here. Consumers can find a variety of consumer forms, find out industry alerts, learn about specific coverages, and view agent and company licensing information.
A little work can save a LOT of money
People leave their current company for many reasons like an unsatisfactory settlement offer, not issuing a premium refund, extreme rates for teen drivers and even high prices. It doesn’t matter why you want to switch finding the right auto insurance provider is not as hard as you think.
When you buy insurance online, it’s a bad idea to skimp on coverage in order to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage for the lowest price.