When finding an insurance agent in Hitchcock, TX, you can begin your search using online quotes rather than looking in the yellowpages. Consumers require a decent agent, but also cheaper auto insurance prices.
Insurance companies such as Allstate and Progressive increase brand awareness with ads and it is challenging if not impossible to ignore the flashy ads and find the best price available.
How to find Hitchcock insurance agents online
Professional agents can answer important questions and help submit paperwork. The best thing about price shopping on the web is you can get the best rates and still choose a local agent.
Upon completion of this simple form, your insurance data is immediately sent to insurance agents in Hitchcock who will give you bids for your business. There is no reason to visit any agencies because quoted prices will be sent immediately to your email address. How’s that for easy! It’s the lowest rates AND a local agent.
Picking an insurance agent needs to be determined by more than just the premium amount. These are valid questions to ask:
- Do they feel the quoted coverages are adequate?
- What will you get paid if your car is a total loss? How is that amount determined?
- What insurance companies do they work with?
- Are there any discounts that you might be missing?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Can they provide you with a list of referrals?
- Does the company allow you to choose your own collision repair facility?
Captive and independent Hitchcock auto insurance agents
When finding a local agent, you need to know there are two types of insurance agents from which to choose. Hitchcock agents are classified as either captive or independent (non-captive).
Captive Agents
Captive agencies are contracted to one company and some examples include AAA, State Farm, Farmers Insurance and Allstate. These agents are unable to provide prices from multiple companies so they have to upsell other benefits. These agents are trained well on their company’s products and that can be a competitive advantage.
Shown below are captive agents in Hitchcock willing to provide price quote information.
State Farm Insurance – 6402 Interstate 45 – Hitchcock, TX 77563 – (409) 986-8777
Independent Agents (or Brokers)
Independent agencies are not employed by any specific company so they have the ability to put coverage with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent. When shopping rates, it’s recommended you contact several independent insurance agents to have the most options to choose from.
Shown below are Hitchcock independent agencies that can give you price quote information.
Howard Insurance – 7610 Highway 6 – Hitchcock, TX 77563 – (409) 986-7038
For a full directory of Hitchcock insurance agents, visit this link.
After receiving positive feedback to any questions you have and locked in a price quote, it’s possible that you found a car insurance agent that can provide auto insurance coverage.
Are online companies an option?
Local insurance agents are a valuable resource, but you can also buy Texas car insurance directly from online companies. Certain companies like Allstate and State Farm that sell primarily through agents also allow consumers to buy direct online, so keep that in mind if you’re trying to lower your rates.
If you’re uncomfortable with choosing your own coverages, this is a normal reaction for first-time shoppers. Auto insurance companies all have toll-free customer service to walk you through the process. They also offer live help and an extensive research center to help with the buying process.
Does car insurance cost less online? The answer to that question is complicated due to the large number of individual components that influence how your policy is priced. You may think that shopping online for auto insurance saves money because there is no commission. For most companies selling online, however, online and traditional media advertising are expensive and those expenses can offset most of the savings by selling direct.
Additional reading for auto insurance information
More detailed Texas auto insurance information is located at the Texas Department of Insurance website. Consumers can read enforcement actions against agents and companies, find a variety of consumer forms, and find out which companies have the most complaints.
Better coverage you can count on
Drivers switch companies for many reasons like delays in responding to claim requests, high prices, being labeled a high risk driver or even an unsatisfactory settlement offer. Regardless of your reason, choosing a new company is actually quite simple.
Cheap auto insurance is attainable from both online companies as well as from independent agents in Hitchcock, so compare prices from both so you have a total pricing picture. Some insurance providers don’t offer online price quotes and these small insurance companies work with independent agents.