When finding an insurance agent in Dickinson, TX, you can start your research on the web rather than picking up the phone. Consumers need a good agent that listens to you, and also want to find the best price on car insurance.
Insurance companies such as State Farm and GEICO constantly blast consumers with ad campaigns and it is difficult to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
Comparing prices from Dickinson agents
Educated insurance agents can help determine the best coverages and help you file claims. One of the great benefits of price shopping on the web is you can get lower rates but still work with a licensed agent.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is sent to insurance agents in Dickinson who will battle for your coverage. You don’t have to drive around since price quotes are sent straight to your inbox. How cool is that?! You can find better rates AND a local agent.
Picking an insurance agency should depend on more than just the bottom line cost. Some important questions to ask are:
- What will you get paid if your car is a total loss? How is that amount determined?
- Who are their largest clients?
- What insurance company do they write the most business with?
- Are claims handled at the agent’s location?
- Do they have any clout with companies to ensure a fair claim settlement?
- What insurance companies do they recommend if they are an independent agent?
- Do they specialize in personal lines coverage?
- Which members of your family are coverage by the policy?
How to choose the best auto insurance agent in Dickinson
If you’re trying to find a reputable insurance agent or broker, there are two different agency structures to choose from. Agents are categorized either captive or independent (non-captive).
Captive Agents
Captive agencies are contracted to one company such as Allstate, AAA, Liberty Mutual and State Farm. They are unable to shop your coverage around so they have to upsell other benefits. These agents are well schooled on their products and sales techniques which can be an advantage. Consumers sometimes purchase coverage from captives partially due to loyalty to the company and the convenience of having all coverages with one company.
Below is a list of captive insurance agents in Dickinson that are able to give rate quotes.
- State Farm Insurance – 1903 Pine Dr # B – Dickinson, TX 77539 – (281) 337-7080
Independent Insurance Agents
Independent agencies are not required to write business for one company so they can insure your vehicles with lots of companies and potentially find a lower price. To transfer your coverage to a different company, your agent can switch companies without you having to go to a different agency. When searching for an agent, you should always include price quotes from several independent insurance agents to ensure the widest selection of prices. They often place coverage with smaller regional carriers which may provide better rates.
The following are independent agencies in Dickinson willing to provide comparison quotes.
- Chuck Emerson Agency – 3103 Edgewood Dr – Dickinson, TX 77539 – (281) 557-9995
- Maxim Insurance – 2401 Termini St – Dickinson, TX 77539 – (281) 337-2516
- Price Insurance – 401 Fm 517 Rd W # C – Dickinson, TX 77539 – (281) 337-4663
For a complete listing of Dickinson insurance agents, click here to link.
After receiving acceptable answers to any questions you have and a good coverage price, you may have just found an insurance agent that can insure your vehicles.
Are online companies an option?
Auto insurance agents can be invaluable at times, but Texas car insurance can also be bought direct from companies that only sell online. Some specific companies who sell through the agent channel also allow consumers to buy direct on their websites. This is something to consider and can also potentially find you lower rates.
If you’re anxious about choosing your own coverages, this is normal but is quickly overcome. Companies provide access to licensed agents for getting the best coverage.
Can you find lower rates online? It’s difficult to provide an answer because of the fact that insurance companies use many factors that impact your rate calculation. Some people think that shopping direct reduces premiums because there is no agent. But in reality, marketing expenses are significant so this can offset any savings.
Affordable insurance is out there
Affordable car insurance can be found from both online companies and with local Dickinson insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.
Insureds who switch companies do it for any number of reasons including high prices, an unsatisfactory settlement offer, unfair underwriting practices and being labeled a high risk driver. Whatever your reason, switching companies is pretty easy and you might even save some money in the process.
More detailed Texas car insurance information can be read at the Texas Department of Insurance website. Texas consumers can find out which companies have the most complaints, read state legal mandates and laws, file complaints about a company, and find out industry alerts.
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