To find a licensed insurance agent in Sugar Land, it’s recommended you do an initial search on the web in order to save time. There is a good chance you not only want a highly trained agent, but you also need affordable coverage.
With insurance companies like independent agents, Allstate and State Farm all competing for business in Sugar Land, it can be hard to know which one will give you the lowest rates and best service. To help decide, you can use online quotes to build a list of insurance agents and price estimates.
Price shop online but buy from a local Sugar Land agent
Good agents can answer important questions and help file insurance claims. One of the best bonuses of comparing insurance prices online is you can get the best rates and still choose a local agent. Buying from small agencies is especially important in Sugar Land.
Once you complete this short form, the coverage information is instantly submitted to companies in Sugar Land who will give you bids for your coverage. There is no need to drive around since price quotes are sent to your email. How cool is that?! You can find better rates and a licensed agent to work with.
Captive agents vs. Independent agents
When looking for a good Sugar Land insurance agent, you need to know there are two types of insurance agents that you can select. Insurance agencies in Sugar Land are categorized either independent or captive.
Independent Insurance Agents
These agents do not work for one specific company so they have the ability to put coverage amongst many companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies.
When comparison shopping, it’s recommended you include at a minimum one independent agency to get the best comparison.
Listed below is a short list of independent agencies in Sugar Land that are able to give price quote information.
Turner Don Insurance Agency – 13333 Southwest Fwy – Sugar Land, TX 77478 – (281) 242-8880
Teague Insurance Agency – 4434 Bluebonnet Dr – Sugar Land, TX 77478 – (281) 240-0240
Steve Hoffman Insurance – 15510 Lexington Blvd # E – Sugar Land, TX 77478 – (281) 491-6565
Fred Chladek Agency – 13313 Southwest Fwy # 290 – Sugar Land, TX 77478 – (281) 242-8400
Amco Insurance – 12726 Fountain Lake Circle – Sugar Land, TX 77478 – (281) 494-7300
Captive Insurance Agents
This type of agents can only write with one company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot compare other company’s rates so always compare other rates. These agents are trained well on their company’s products and that can be a competitive advantage.
Below are captive insurance agents in Sugar Land that are able to give price quote information.
State Farm Insurance – 3425 Highway 6 # 102 – Sugar Land, TX 77478 – (281) 980-1161
Allstate Insurance – 1600 Highway 6 # 280 – Sugar Land, TX 77478 – (281) 491-2508
Farmers Insurance Group – 13401 Southwest Fwy # 211 – Sugar Land, TX 77478 – (281) 277-1277
For a full directory of Sugar Land captive insurance agencies, please go to this site.
Selecting a car insurance agent requires more thought than just a low price. These questions are important to ask:
- Do they regularly work with personal auto policies?
- How long has their agency been open in Sugar Land?
- What is the agency’s Better Business Bureau rating?
- Can glass repairs be made at your home?
- If you are a high risk driver, do they have special markets for your coverage?
- Will their companies depreciate repairs to your car based on the mileage?
- Does the agency support the community they serve?
- Do they feel the quoted coverages are adequate?
After receiving answers to your satisfaction to your questions in addition to an acceptable price estimate, chances are good that you have found an insurance agent that will properly service your car insurance policy.
Can you save money by buying online?
Local insurance agents serve a purpose, but you can also buy Texas car insurance from companies direct over the internet. Certain companies who have local agents in Sugar Land also give you the option to buy direct online, so this should also be taken into consideration to possibly find a better rate.
If you’re apprehensive about not getting advice from an agent, that should not be a issue. Online car insurance companies all provide contact methods for answering any questions you have.
Does car insurance cost less online? It’s hard to say exactly because of the fact that insurance companies use many factors that impact your premium. Common logic is that a consumer who buys direct saves money because there is no commission. But that assumption is generally incorrect because there are very high advertising costs and that can cost more than having to pay agents.
Texas car insurance information
Additional car insurance information can be read on the website for the Texas Department of Insurance found here. Visitors are able to download brochures, get help finding coverage, and report car insurance fraud.
Other informative sites include NAIC.org’s Understanding your Policy and this link which helps you find a Sugar Land agent.
Online plus local equals savings
Drivers leave their current company for any number of reasons including questionable increases in premium, lack of trust in their agent, policy non-renewal or even policy cancellation. No matter why you want to switch, switching companies is pretty easy and you might even save some money in the process.
Cheaper car insurance is available online and with local Sugar Land insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.