When searching for a good Friendswood agent, you can always start your research for an agent online in order to save time. You need a great agent that can assess your needs, and also the best price on car insurance.
Drivers have so many insurance agents to buy insurance from, and although it’s nice to have a selection, lots of choices makes it harder to compare rates.
Buying car insurance from a local Friendswood agent
Good agents can help determine the best coverages and help file insurance claims. One of the great benefits of getting online price quotes is you can get better rates but still work with a licensed agent.
By using this form (opens in new window), the coverage information is transmitted to companies in Friendswood who will return price quotes for your insurance coverage. You never need to drive around since price quotes are sent immediately to your email address. How cool is that?! You can find better rates and work with a local agent.
Deciding on a car insurance agent requires more thought than just a cheap price. Agents should be asked these questions:
- Which company do they place the most coverage with?
- What are the financial ratings for the companies they represent?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they receive special compensation for putting your coverage with one company over another?
- How much will you save each year by using a higher deductible?
The different types of insurance agents
When searching for a local agent, you need to know there are two different agency structures that you can select. Insurance agencies in Friendswood are classified as either independent or captive.
Agency Captives
Captive agencies write business for a single company such as Allstate, Farmers Insurance or State Farm. These agents are not able to place coverage with different providers so they have to upsell other benefits. Captive agents are well schooled on their products and sales techniques which helps them compete with independent agents.
Shown below are captive insurance agencies in Friendswood who can help you get price quotes.
Allstate Insurance – 700 S Friendswood Dr # G – Friendswood, TX 77546 – (281) 482-4483
State Farm Insurance – 1550 W Bay Area Blvd # 100 – Friendswood, TX 77546 – (281) 486-8950
Independent Agencies or Brokers
Independent insurance agents are not employed by any specific company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies.
When shopping rates, we recommend you include multiple independent agents for maximum quote selection.
The following are independent insurance agencies in Friendswood who can help you get price quotes.
American National Insurance Co – 1414 S Friendswood Dr – Friendswood, TX 77546 – (281) 482-8447
Clayton A Johnson Insurance – 1414 S Friendswood Dr – Friendswood, TX 77546 – (281) 648-2858
Harrison Agency – 3102 W Bay Area Blvd – Friendswood, TX 77546 – (281) 557-1400
For a full directory of car insurance agents in Friendswood, visit this site.
After receiving answers to your satisfaction for all questions you ask and locked in a price quote, it’s possible that you found an insurance agency that will adequately provide car insurance.
You have the option to buy direct online
Licensed agents are indespensible for some people, but Texas car insurance can also be bought direct online. Certain companies who sell through agents in Friendswood additionally provide the ability to get a quote and buy online, so keep that in mind if finding the best price is important.
If you’re concerned about having to choose coverages yourself, that should not be a issue. Insurance companies provide options for getting advice on proper coverages.
Will auto insurance cost less online? The answer to that question is complicated since there are so many factors that determine your policy premium. Common logic is that buying direct reduces premiums because there is no agent. But in reality, advertising and marketing take a lot of money so rates may not be all that different from traditional agents.
More effort can pay off
The cheapest car insurance is available online and also from your neighborhood Friendswood agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.
Consumers switch companies for many reasons like questionable increases in premium, extreme rates for teen drivers, policy cancellation or unfair underwriting practices. No matter why you want to switch, switching companies is not as difficult as it may seem.
More consumer information in Texas
Additional detailed information is located at the Texas Department of Insurance website. Visitors are able to read state legal mandates and laws, find disaster information, and read enforcement actions against agents and companies.