Comparing auto insurance rates in Stafford can be a lot of work since selecting the best Stafford car insurance agent for your needs is harder than just using the same insurance agent as your neighbor. Consumers need a professional agent, but also need decent rates too.
Because there are so many choices of insurance companies, it can be diffult for consumers to pick the lowest price provider.
Stafford agents for auto insurance
Insurance agents can answer important questions and give you someone to call. One of the great benefits of price shopping on the web is that you can obtain the best rates but also keep your business local.
For easy comparison, once you complete this form (opens in new window), your information is instantly submitted to agents in your area who will give you bids for your insurance coverage. There is no need to leave your computer as quotes are delivered straight to your inbox. How cool is that?!
Deciding on an auto insurance agent requires more thought than just the price. These are valid questions to ask:
- Which company do they place the most coverage with?
- Do they carry Errors and Omissions coverage?
- Do they feel the quoted coverages are adequate?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How often do they review policy coverages?
- Can they provide you with a list of referrals?
Pick the best insurance agency in Stafford for you
When searching for an insurance agent, there are two types of agencies from which to choose. Agencies in Stafford are categorized either captive or independent (non-captive). Both types can properly insure your vehicles, but it’s worth mentioning how they are different since it can impact your agent selection.
Captive Agents
Captive agents are contracted to one company like American Family, Liberty Mutual and AAA. They generally cannot shop your coverage around so always compare other rates. Captives are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
Below are captive insurance agents in Stafford who can help you get rate quotes.
Farmers Insurance Group – 4800 Sugar Grove Blvd # 180 – Stafford, TX 77477 – (281) 240-5525
Allstate Insurance – 12603 Southwest Fwy # 630 – Stafford, TX 77477 – (281) 242-9600
Independent Agents (or Brokers)
These agents are not locked into one company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and that require little work on your part.
When comparison shopping, we recommend you contact several independent insurance agents to have the most options to choose from.
The following is a list of independent insurance agents in Stafford that can give you price quote information.
Tom Blomstrom Insurance Agency – 10707 Corporate Dr – Stafford, TX 77477 – (281) 240-1933
James A Simmons Insurance – 12603 Southwest Fwy # 412 – Stafford, TX 77477 – (281) 313-0313
Carl Counts Insurance – 10701 Corporate Dr # 293 – Stafford, TX 77477 – (281) 240-0778
To view a full list of auto insurance agents in Stafford, simply jump to this page.
Once you have acceptable answers to these questions in addition to an acceptable price estimate, chances are good that you have found an insurance agent that meets your needs to service your policy.
You have the option to buy car insurance direct online
Local insurance agents are important to many people, but you also have the option of buying Texas car insurance from online companies direct. A few companies who have local agents in Stafford also allow you to buy direct online, and consumers should do that if you are the do-it-yourself type.
If you’re apprehensive about not having professional advice when shopping online, that is quite common when buying online the first time. Insurance companies that require consumers to choose their own coverages provide toll-free numbers to walk you through the process. Consumers also can use extensive coverage information and 24/7 assistance so you can feel comfortable buying online.
Does buying online save money? Whether or not you’ll save is impossible to say because there are so many things that impact your final bill. Some people will tell you that buying direct saves money by not requiring a commission. In reality, getting their brand in front of customers is expensive so the rates may be similar to buying from an agent.
When shopping for low rates, the only way to find out where you can get the lowest rate, either online or from agents, is to take the time to compare rates from both. It’s not unheard of to actually get different prices for the exact same company when using both online and agent quotes. But it’s impossible to know if the company’s rates are lower online or from an agent until you actually compare rates for both.
Additional auto insurance links
Additional detailed information is available at the Texas Department of Insurance website. Consumers can find a variety of consumer forms, learn about insurance regulations, and view agent and company licensing information.
The best insurance company isn’t always the cheapest
As you prepare to switch companies, it’s very important that you do not buy less coverage just to save a little money. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. Your focus should be to find the BEST coverage at an affordable rate, not the least amount of coverage.
Drivers change insurance companies for many reasons like unfair underwriting practices, delays in responding to claim requests, not issuing a premium refund or lack of trust in their agent. Regardless of your reason, choosing a new insurance company can be less work than you think.