How-to Guide to Finding an Insurance Agent in Humble

Finding good auto insurance in Humble can be challenging since picking a good Texas insurance agency is harder than just using the same auto insurance agent as your neighbor. It’s likely you’re wanting a friendly agent, but also the best rates possible.

With insurance companies like independent agents, Allstate and State Farm all competing for business in Humble, it’s hard to tell which one will give you the cheapest rates and the best coverage. Fortunately, consumers can use online quotes to assemble a group of insurance agents and price estimates.

How to find Humble insurance agents online

Professional agents are trained to spot inefficiencies and give you peace of mind. The biggest benefit of comparing rates online is you may find the lowest rates but still work with a licensed agent. Buying from local businesses is important particularly in Humble.

After completing this form (opens in new window), your coverage information is immediately sent to agents in your area who will return price quotes for your coverage. You never need to visit any agencies as quotes are delivered to your email. Now that’s easy! Get lower rates AND a local agent.

Insurance agent types

When looking for local Humble agents, there are a couple of types of insurance agents from which to choose. Agents can either be independent or captive.

Independent Insurance Agents

These agents are not required to write business for one company so they can insure your vehicles with many different companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies and that require little work on your part.

When shopping rates, it’s a good idea to contact several independent insurance agents to have the most options to choose from.

Shown below is a short list of independent agents in Humble who may be able to give you price quote information.

John Lavezzari Insurance – 1110 Kingwood Dr # 100 – Humble, TX 77339 – (281) 358-4712
Cedric O Johnson Agency – 19333 Highway 59 N # 160 – Humble, TX 77338 – (281) 441-3338
Neighborhood Insurance Spec – 807 1st St E – Humble, TX 77338 – (281) 548-2000
Insurance Agency-Sw – 302 N Houston Ave – Humble, TX 77338 – (281) 446-8655
Mark Haynes Agency – 7211 Fm 1960 Rd W # 170 – Humble, TX 77338 – (281) 548-1602

Captive Agents

Captive insurance agents are contracted to one company like Allstate, Farmers Insurance, State Farm and AAA. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Captives are well schooled on their company’s products which helps them compete with independent agents.

The following are Humble captive agencies willing to provide price quotes.

Bill Chapman State Farm Ins – 9684 Fm 1960 Bypass Rd W – Humble, TX 77338 – (281) 548-9903
Allstate Insurance – 19506 Highway 59 N # 150 – Humble, TX 77338 – (281) 446-4111

For a full directory of auto insurance agents in Humble, visit this site.

Deciding on a car insurance agent requires more thought than just a cheap price. Here are some questions to ask:

  • Does the agency have a good rating with the Better Business Bureau?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • How much can you save by raising your physical damage deductibles?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • If your car is in the repair shop, do you have coverage for a rental car?

After getting positive feedback to any questions you have as well as a affordable price, it’s possible that you found an auto insurance agent that meets your needs to provide auto insurance coverage.

Online auto insurance companies

Licensed agents are important, but Texas car insurance can also be bought direct over the internet. Certain auto insurance companies like Allstate and State Farm that sell primarily through agents additionally provide the ability to buy direct online. This is something to consider as an alternative to contacting agents.

If you’re uneasy about not getting proper coverage when buying online, that should not be a issue. Online companies that allow you to purchase coverage provide access to licensed agents for answering any questions you have.

Will auto insurance cost less online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say due to the large number of individual components that influence your rates. It’s often assumed that a customer who purchases direcly from an online company cuts out the middleman. But in reality, marketing expenses are significant and those expenses can offset most of the savings by selling direct.

quotes for Humble Texas insurance

If the best price is important to you, the most effective way to determine whether online companies or local agents have lower rates is to get free quotes from both and compare them. You may actually get a different price from online quotes as compared to agent rates for the exact same company.

Best coverage at the best price

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. In many instances, an insured dropped collision coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

People leave their current company for a variety of reasons including poor customer service, lack of trust in their agent, not issuing a premium refund or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

Additional auto insurance links

Additional auto insurance information can be found on the website for the Texas Department of Insurance. Click here for link. Texas consumers can get help finding coverage, read industry bulletins, learn about insurance regulations, and read state legal mandates and laws.