If you’re looking to buy car insurance, there are a lot of options and selecting the best Bridge City car insurance agent for your needs takes more work than just randomly choosing from the yellow pages. You require a good professional insurance agent, and also cheaper car insurance prices.
Big-name insurance companies like GEICO, Farmers Insurance and State Farm increase brand awareness with TV and radio ads and consumers find it hard to sift through the bull and take the time to shop coverage around.
Save time by quoting online
Licensed agents can help determine the best coverages and help file insurance claims. The biggest benefit of getting online price quotes is you may find better rates and still choose a local agent.
By using this simple form, your information is immediately sent to agents in your area who will return price quotes for your coverage. You never need to even leave your home since price quotes are sent immediately to your email address. How’s that for easy!
Deciding on an auto insurance agent needs to be determined by more than just a low price. These questions are important to ask:
- Are they able to influence company decisions when a claim is filed?
- How much will you save each year by using a higher deductible?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they carry Errors and Omissions coverage?
- What is the agency’s Better Business Bureau rating?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Are they properly licensed to sell insurance in Texas?
- Do they receive special compensation for putting your coverage with one company over another?
Captive and independent Bridge City insurance agents
If you’re trying to find a good insurance agency, you must know there are a couple types of agencies that you can select. Agencies in Bridge City are categorized either independent or captive. Both properly insure your vehicles, but it’s worth mentioning how they are different because it can impact your selection of an agent.
Captive Insurance Agents
Captive insurance agents can only write with one company and examples are State Farm, AAA and Liberty Mutual. Captives cannot place coverage with different providers so they are skilled at selling on more than just price. They receive extensive training on their company’s products which can be an advantage.
The following are Bridge City captive agents willing to provide rate quotes.
Farmers Insurance Group – 855 Texas Ave – Bridge City, TX 77611 – (409) 738-2020
Allstate Insurance – 395 Texas Ave – Bridge City, TX 77611 – (409) 738-2100
State Farm Insurance – 1930 Texas Ave – Bridge City, TX 77611 – (409) 735-3595
Independent Agents
These agents are not employed by any specific company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and you don’t have to find a new agent.
When shopping rates, it’s recommended you get quotes from several independent insurance agents to ensure the widest selection of prices.
The following is a short list of independent agencies in Bridge City who can help you get price quotes.
R O William Insurance Co – 2508 Mcfaddin – Bridge City, TX 77611 – (409) 735-5376
American Liberty Insurance – 1145 Texas Ave – Bridge City, TX 77611 – (409) 697-3039
To view a full list of insurance agents in Bridge City, go to this page.
Upon getting satisfactory answers as well as a affordable price, it’s possible that you found a car insurance agent that is a good match to properly insure your vehicles.
But what about GEICO, Progressive and Esurance?
Licensed agents are a valuable resource, but you can also find affordable Texas auto insurance direct over the internet. Some companies who sell through the agent channel also allow consumers to buy online, and consumers should do that and can also potentially find you lower rates.
If you’re apprehensive about choosing your own coverages when buying online, don’t be too concerned. Online insurance companies that require consumers to choose their own coverages have toll-free phone numbers and other options for customer questions.
Will auto insurance cost less online? The answer is complex since there are many things that impact your premium. Common sense would say that buying direct cuts out the agent as a middleman. For most companies selling online, however, there are very high advertising costs and this tends to eat up any savings.
More Texas car insurance resources
More detailed Texas car insurance information is located at the Texas Department of Insurance website. Consumers can report car insurance fraud, view agent and company licensing information, view a list of available companies, and find disaster information.
More effort can pay off
Insureds who switch companies do it for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, unfair underwriting practices or poor customer service. It doesn’t matter what your reason, finding a new car insurance company can be easy and end up saving you some money.
Lower-priced car insurance can be found both online and also from your neighborhood Bridge City agents, so you should compare both so you have a total pricing picture. Some car insurance companies may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.