Learn to Get the Lowest Car Insurance Prices From Insurance Agents in Pearland Texas

Comparing car insurance rates in Pearland can be a lot of work since choosing the right Pearland car insurance agent takes more work than just calling the closest agent. Consumers require an excellent agent, and also want to find cheaper car insurance prices.

There are many car insurance agents to choose from, and although it’s a good thing to have a choice, it can be more difficult to get the best deal.

Neighborhood insurance agents

Educated insurance agents can answer important questions and help in the event of a claim. One of the best bonuses of price shopping on the web is you can get better rates but still work with a licensed agent.

Once you complete this form (opens in new window), your insurance data is instantly submitted to local insurance agents in Pearland who will give you bids for your coverage. You don’t have to drive around because quoted prices will be sent directly to your email. How cool is that?! Get lower rates AND an agent nearby.

Selecting an insurance agency should depend on more than just the premium amount. Any agent should be forthright in answering these questions:

  • How many years of experience in personal lines insurance coverages do they have?
  • How much will you save each year by using a higher deductible?
  • What is the agency’s Better Business Bureau rating?
  • Is assistance available after office hours?
  • Is the agent and/or agency licensed to do business in Texas?
  • Are there any discounts that you might be missing?

Independent or Captive: It’s your choice

When searching for an insurance agent, you must know there are a couple types of insurance agents from which to choose. Agents are classified as either independent or captive.

Agency Captives

Captive agents can only place business with one company such as AAA, State Farm, Farmers Insurance and Allstate. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. Captive agents receive extensive training on their company’s products which helps them sell insurance even at higher premiums. Consumers often choose to use a captive agent primarily because of loyalty to the company and solid financial strength.

Below are Pearland captive agencies that can give you price quote information.

  • State Farm Insurance Agent – 9330 Broadway St – Pearland, TX 77584 – (281) 485-5572
  • Farmers Insurance Group – 2640 Broadway St # 112 – Pearland, TX 77581 – (281) 412-5905
  • Allstate Insurance – 3011 Broadway St – Pearland, TX 77581 – (281) 997-9706
Independent Insurance Agents

Independent insurance agents are not locked into one company so they have the ability to put coverage with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house and you won’t have to switch agencies. When searching for an agent, it’s a good idea to contact at a minimum one independent agency to get the best comparison. Most have the option of insuring with smaller regional carriers which can be an advantage.

Below are independent insurance agencies in Pearland that can give you price quotes.

  • Joe Cook Agency – 6713 Broadway St # H – Pearland, TX 77581 – (281) 997-2662
  • Jim Mercer Insurance – 5001 Broadway St – Pearland, TX 77581 – (281) 485-2471
  • Jo Laird Agency – 3222 Regal Oaks Dr – Pearland, TX 77581 – (281) 485-2232
  • R S Croix Insurance – 2206 Broadway St – Pearland, TX 77581 – (281) 485-7853

To view a complete directory of insurance agents in Pearland, visit this link.

After getting acceptable answers and an affordable coverage quote, you’ve probably found an auto insurance agent that is a good match to service your policy.

Does buying direct online save money?

Licensed agents are important, but Texas drivers can also buy directly from online companies. Even companies like State Farm and Allstate who employ agents also allow you to buy a policy online. This is something to consider if you prefer to buy online.

If you’re uncomfortable with not receiving proper advice when buying online, don’t let it bother you. Online insurance companies have customer service departments for getting advice on proper coverages. Most companies also provide 24/7 live help and a car insurance FAQ section to help you make a buying decision.

Do online companies have better rates? That question is hard to answer because there are so many things that can increase policy rates. It’s a common assumption that buying directly from the company cuts out the agent as a middleman. In many cases, marketing expenses are significant and this drives up their premium costs.

Additional consumer information websites

Additional detailed information can be found at the Texas Department of Insurance website. Consumers can learn about insurance regulations, find out which companies have the most complaints, and download brochures.

Other useful links include this resource for Texas car insurance prices and this page for help finding agents in Pearland, TX.

Quote often and quote early

As you restructure your insurance plan, you should never reduce coverage to reduce premium. There are a lot of situations where someone sacrificed full coverage only to regret that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Car insurance in Pearland TX

Budget-conscious car insurance is definitely available online as well as from independent agents in Pearland, so compare prices from both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.