Useful Tips for Finding a Rosenberg Insurance Agent

Comparing car insurance companies in Rosenberg, Texas can be challenging because you have many choices and choosing the right Rosenberg insurance agency takes more work than just driving to the closest agent’s office. Chances are good you not only want a decent agent, but you also need the lowest possible price.

With companies like American Family, Allstate, State Farm and independent agents having offices in Rosenberg, consumers have a hard time knowing which auto insurance agent will provide the cheapest rates and the best coverage. To begin, it’s easy to use online price quotes to get a list of agencies from which to choose.

Comparing rates from local agents

Licensed agents can help determine the best coverages and give you peace of mind. The best thing about price shopping on the web is you may find the best rates and still have an agent to talk to. Supporting local agencies is especially important in Rosenberg.

Once you complete this quick form, the quote information is immediately sent to agents in your area who will compete for your business. You never need to visit any agencies since price quotes are sent directly to your email. How cool is that?! It’s the lowest rates and an insurance agent to talk to.

Compare rates from both independent and captive insurance agencies

When looking for a reliable agent, you must know there are a couple different agency structures from which to choose. Rosenberg agents are either independent (non-captive) or captive.

Independent Agents

Independent insurance agents do not work for one specific company but rather can write business with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your agent can switch companies and you don’t have to find a new agent. When searching for an agent, you should always include at a minimum one independent agency for maximum quote selection.

Shown below are independent agencies in Rosenberg willing to provide comparison quotes.

Southwestern Insurance Ctr – 3516 Avenue I – Rosenberg, TX 77471 – (281) 342-0444
Brown and Assoc Insurance Agency – 2515 Av H – Rosenberg, TX 77471 – (281) 341-8400
Guy L Mc Nutt Insurance Inc – 910 4th St – Rosenberg, TX 77471 – (281) 342-5436
K D Insurance Agency – 1021 7th St – Rosenberg, TX 77471 – (281) 342-0232

Captive Insurance Agents

Captive agencies can only place business with one company and some examples include Liberty Mutual, State Farm, Allstate and AAA. These agents are unable to provide prices from multiple companies so they have to upsell other benefits. These agents receive extensive training on their products and sales techniques which helps them compete with independent agents.

Listed below are captive agents in Rosenberg willing to provide comparison quotes.

Allstate Insurance – 2914 Avenue I – Rosenberg, TX 77471 – (281) 232-0073
Farm Bureau Insurance – 5253 Highway 36 S – Rosenberg, TX 77471 – (281) 342-4626
State Farm Insurance – 3310 1st St – Rosenberg, TX 77471 – (281) 762-9515

To view a complete directory of captive agencies in Rosenberg, go to this page.

Choosing an insurance agency requires more thought than just the premium amount. Agents should be asked these questions:

  • Are they full-time agents?
  • How many years of experience in personal lines insurance coverages do they have?
  • Are they properly licensed to sell insurance in Texas?
  • Is the agency involved in supporting local community causes?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Is assistance available after office hours?

Once you have satisfactory answers to any questions you have and a low price estimate, chances are good that you have found a car insurance agent that is a good match to insure your vehicles.

Does buying direct online get me lower rates?

Professional insurance agents are important to many people, but Texas consumers also have the option to buy from online companies direct. A few companies, such as Farmers Insurance and State Farm, who employ agents also allow you to buy direct on their websites, so this should also be taken into consideration if you prefer not to work with an agent.

If you’re uncomfortable with not having an agent to talk to, don’t sweat it. Insurance companies that require consumers to choose their own coverages provide options for getting questions answered.

Rosenberg Texas car insurance agent

Do online companies have better rates? Many people swear by it, but it’s difficult to answer because of the number of factors that influence your rates. Common sense would say that shopping online for auto insurance prevents the agent from taking a cut. But in reality, getting their brand in front of customers is expensive and that impacts the rates consumers pay.

For more Texas car insurance information

Additional information is available on the website for the Texas Department of Insurance through this link. Visitors are able to find a variety of consumer forms, read consumer alerts, and find out industry alerts.

Compare but don’t skimp

The cheapest car insurance can be purchased both online and with local Rosenberg insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Consumers switch companies for many reasons like questionable increases in premium, extreme rates for teen drivers, unfair underwriting practices and even poor customer service. No matter why you want to switch, finding a new company is not as hard as you think.