Selecting a car insurance company in Beaumont, Texas can be time consuming since finding the best Texas car insurance agent is not as easy as just driving to the closest agent’s office. We’re assuming you’re looking for a good agent that listens to you, but you also need the lowest possible price.
With companies like State Farm, Allstate and Farmers Insurance all competing for your business, it can be hard to know which will provide the best service and rates. Fortunately, you can use online price quotes in order to build a list of agents to choose from.
Online quotes with a local Beaumont insurance agent
Good agents can answer important questions and help in the event of a claim. The best thing about getting online price quotes is that you can obtain lower rates but still work with a licensed agent. And supporting local agencies is important especially in Beaumont.
After completing this short form, your insurance data is immediately sent to local insurance agents in Beaumont who will give you bids for your coverage. There is no reason to leave your computer as quotes are delivered straight to your inbox. How’s that for easy! Get lower rates AND an agent nearby.
Types of insurance agents
If you’re trying to find a reputable insurance agent or broker, there are two different types of agents to choose from. Beaumont agents are categorized either captive or independent.
Independent Agents
Independent insurance agents are not locked into one company so they have the ability to put coverage 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 searching for an agent, you should always get quotes from multiple independent agents to get the best comparison. Many write coverage with different regional companies who may have lower rates.
The following are independent insurance agencies in Beaumont that can give you price quote information.
- Mary Folsom Agency – 6640 Eastex Fwy # 144 – Beaumont, TX 77708 – (409) 347-2400
- Sue Harris Agency – 2850 Eastex Fwy # 101 – Beaumont, TX 77703 – (409) 899-3333
- Clay Mathis Insurance – 3387 Laurel St # 107 – Beaumont, TX 77707 – (409) 833-8658
- Harris R Fontenot Insurance – 2247 Calder St – Beaumont, TX 77701 – (409) 838-5040
Agency Captives
These agents are contracted to one company such as Allstate, Farmers Insurance, State Farm and AAA. These agents are not able to compare other company’s rates so they are skilled at selling on more than just price. They are well schooled on their company’s products which helps them compete with independent agents. Some people will only purchase coverage from captives primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.
Below are captive agents in Beaumont who can help you get rate quotes.
- Allstate Insurance – 7920 College St # A – Beaumont, TX 77707 – (409) 860-5858
- State Farm Insurance – 4180 Delaware St # 101 – Beaumont, TX 77706 – (409) 895-0681
- Farmers Insurance Group – 4485 Calder Ave – Beaumont, TX 77706 – (409) 895-0222
- Farm Bureau Insurance – 7495 Fannett Rd – Beaumont, TX 77705 – (409) 842-1325
To view a full list of Beaumont captive insurance agents, visit this site.
Choosing an insurance agent should depend on more than just a low price. Ask your prospective agent these questions:
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Who is covered by the car insurance policy?
- What are the financial ratings for the companies they represent?
- If your car is in the repair shop, do you have coverage for a rental car?
- How long has their agency been open in Beaumont?
- What insurance company do they write the most business with?
Once you have received acceptable answers to all your questions and a low price estimate, it’s possible that you found a car insurance agent that is a good match to provide car insurance coverage.
Consider all the options when buying car insurance
Car insurance agents are a valuable resource, but you can also buy Texas car insurance directly from online companies. Even companies who sell through the agent channel also allow you to buy direct on their websites. This is something to consider if you want to do it yourself.
If you’re apprehensive about not having an insurance agent’s advice when shopping online, this really isn’t an issue. Online insurance companies provide customer service for getting advice on proper coverages.
Does it save money buying online? The answer is complex because there are many components that determine the price you pay. It’s a logical assumption that a shopper who purchases direct saves money because there is no commission. But that assumption is generally incorrect because marketing expenses are significant and that can cost more than having to pay agents.
What is YOUR best insurance company?
When you buy insurance online, do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at a price you can afford while still protecting your assets.
Cheaper car insurance is definitely available online as well as from independent agents in Beaumont, so compare prices from both in order to have the best price selection to choose from. A few companies don’t offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.
Additional car insurance information can be read on the Texas Department of Insurance website located here. Consumers can find out which companies have the most complaints, find a variety of consumer forms, and read enforcement actions against agents and companies.