If you’re looking to buy car insurance, you have many choices and finding the best Texas auto insurance agent is not as easy as just using the same insurance agency as your neighbor. You require a good professional insurance agent, and also cheaper car insurance prices.
Many car insurance agents vie for your insurance dollar, and it can be difficult to compare rates to get the lowest price
Price shop online but buy from a local Brookshire agent
Professional agents can point out coverage gaps and give you peace of mind. One of the best bonuses of getting online price quotes is the fact that you can find lower rates and still choose a local agent.
To help locate an agent, after submitting this form (opens in new window), the quote information is immediately sent to local insurance agents in Brookshire who will give you bids for your coverage. You never need to even leave your home as quotes are delivered straight to your inbox. How cool is that?! You can find better rates and work with a local agent.
Deciding on an insurance agent needs to be determined by more than just a low price. Any agent should be forthright in answering these questions:
- Which company do they place the most coverage with?
- If they are an independent agency, which companies do they recommend?
- Are they full-time agents?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do the coverages you’re quoting properly cover your vehicle?
- If you are a high risk driver, do they have special markets for your coverage?
Is a captive or independent insurance agent right for you?
When looking for a reputable insurance agent or broker, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Agents are categorized either captive or independent.
Captive Insurance Agents
This type of agents have only one company to place business with and examples are Farmers Insurance, American Family, State Farm and Allstate. They usually cannot give you multiple price quotes so they are skilled at selling on more than just price. They are trained well in insurance sales which helps them compete with independent agents.
Independent Agents
These agents are not locked into one company but rather can write business with many different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies. When comparing rates, it’s a good idea to include price quotes from at least one independent agent for the best price selection.
Listed below are Brookshire independent agents that are able to give price quote information.
O’Brien Insurance – 802 Cooper – Brookshire, TX 77423 – (281) 375-5928
Key Insurance – 4114 5th St – Brookshire, TX 77423 – (281) 375-5588
For a complete listing of Brookshire insurance agents, simply jump to this page.
Once you have received answers to your satisfaction to these questions and locked in a price quote, you’ve probably found an auto insurance agent that meets your needs to insure your vehicles.
Does buying direct online get me lower rates?
Insurance agents are perfect for certain consumers, but Texas consumers also have the option to buy directly from online companies. Some car insurance companies like State Farm and Allstate who sell through the agent channel also allow consumers to buy direct on their websites, and that can save time if you want to do it yourself.
If you’re concerned about not having professional advice when buying car insurance direct, don’t let it bother you. Online insurance companies that require consumers to choose their own coverages provide options to answer any questions you may have.
Will you save money buying auto insurance online? It’s hard to say exactly due to the large number of individual components which can adversely affect your policy premium. It’s a logical assumption that a shopper who purchases direct saves money by not requiring a commission. But the fact is, marketing expenses are significant so there may not be significant savings.
Smart consumers save more
Budget-conscious car insurance is possible on the web in addition to many Brookshire insurance agents, so you should be comparing quotes from both to have the best selection. Some car insurance companies do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.
Consumers switch companies for any number of reasons including denial of a claim, policy non-renewal, poor customer service and lack of trust in their agent. It doesn’t matter why you want to switch finding a new company can be easier than you think.
More sites with car insurance information
Even more information can be found at the Texas Department of Insurance website. Texas drivers can learn about specific coverages, file complaints about an insurance agent or broker, and download brochures.