Comparing car insurance rates in Katy can be a lot of work since you have many choices and selecting the best Katy insurance agency for your needs is more difficult than just driving to the closest agent’s office. It’s assumed you’re wanting a professional agent, but you also want affordable coverage.
With companies like American Family, Allstate, State Farm and independent agents having local Katy offices, consumers have a hard time knowing which provider will have the cheapest rates and the best coverage. Fortunately, consumers can use online quoting to get a list of insurance agencies and thier coverage prices.
Car Insurance from Katy insurance agents
Agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of comparing rates online is the fact that you can find lower rates and still choose a local agent. Buying from local insurance agencies is definitely important in Katy.
To help locate an agent, after submitting this quick form, the quote information is submitted to companies in Katy who will battle for your insurance coverage. There is no need to visit any agencies due to the fact that quote results will go to the email address you provide. How cool is that?! You’ll get the best rates AND an agent nearby.
Best insurance agent in Katy
When looking for a local agent, you need to know there are two different types of agents from which to choose. Katy agents are either captive or independent (non-captive).
Independent Agencies or Brokers
Independent insurance agents are not locked into one company but rather can write business with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your agent can switch companies without you having to go to a different agency.
When shopping rates, you should always include at a minimum one independent agency to get the best comparison.
Listed below is a short list of independent insurance agencies in Katy who can help you get price quotes.
Colsa Insurance – 3011 Bridgewater Manor Ln – Katy, TX 77449 – (281) 646-1642
Kieswetter Agency – 23112 Cinco Ranch Blvd – Katy, TX 77494 – (281) 693-4433
Auto Advantage Insurance – 5304 E 5th St # 104a – Katy, TX 77493 – (281) 371-2886
Dale Willard Agency – 2211 N Fry Rd # G – Katy, TX 77449 – (281) 647-0131
Agency Captives
Captive insurance agents write business for a single company such as American Family, Liberty Mutual and AAA. These agents are unable to place coverage with different providers so they are skilled at selling on more than just price. Captive agents are very knowledgeable in insurance sales which helps them sell insurance even at higher premiums.
The following are captive agents in Katy willing to provide price quotes.
Allstate Insurance – 20501 Katy Fwy # 203 – Katy, TX 77450 – (281) 398-7788
Farmers Insurance Group – 1042 Western Meadows Dr – Katy, TX 77450 – (281) 395-5530
Liberty Mutual Insurance – 23232d Kingsland Blvd – Katy, TX 77494 – (281) 647-6006
For a complete listing of captive agencies in Katy, please go to this site.
Picking an auto insurance agent needs to be determined by more than just the price. Some important questions to ask are:
- Can they provide you with a list of referrals?
- Do they carry Errors and Omissions coverage?
- How much will you save each year by using a higher deductible?
- What insurance companies do they recommend if they are an independent agent?
- Which company do they place the most coverage with?
- Is the agent and/or agency licensed to do business in Texas?
Upon getting positive responses to all your questions and a good coverage price, you have narrowed it down to a car insurance agent that meets your needs to adequately provide car insurance.
Aren’t online-only companies cheaper?
Car insurance agents serve a purpose, but you also have the option of buying Texas car insurance directly from online companies. Some specific companies that sell primarily through agents also give you the ability to get a quote and buy online, so this should also be taken into consideration and can also potentially find you lower rates.
If you’re anxious about not having an agent to talk to when buying car insurance direct, don’t sweat it. Online insurance companies all provide contact methods to answer any questions you may have.
Are car insurance rates lower online? It’s hard to say exactly since there are so many factors that determine the price you pay. It’s a logical assumption that a customer who purchases direcly from an online company saves the commission normally paid to an agent. But the reality is marketing their products costs a lot of money and that impacts the rates consumers pay.
More information about car insurance
Much more information about car insurance in Texas is available on the website for the Texas Department of Insurance located here. Consumers can read enforcement actions against agents and companies, find disaster information, and read consumer alerts.
Additional helpful sites include QuoteClickInsure.com and QuoteClickSave.com.
Affordable insurance is out there
Low-cost car insurance is available on the web and with local Katy insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies do not offer the ability to get a quote online and these small insurance companies work with independent agents.
As you prepare to switch companies, it’s a bad idea to buy less coverage just to save a little money. In many instances, an insured dropped liability coverage limits only to regret that it was a big error on their part. Your aim should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.