Pasadena Insurance Agents – There is a Difference

Comparing auto insurance rates in Pasadena can be a lot of work since you have many choices and choosing the right Pasadena insurance agency is harder than just driving to the closest agent’s office. The chances are good you require not only a great agent that can assess your needs, but you also want to find the best rates possible.

With companies like Farmers, Allstate, and independent agents having offices in Pasadena, consumers have a hard time knowing which insurance agency will have the best rates, service and coverage. To help decide, you can use online quoting in order to build a list of agencies from which to choose.

But I don’t know anything about car insurance

When buying the best auto insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions can help discover if you might need professional guidance.

  • Am I covered when pulling a rental trailer?
  • Am I covered when driving in Canada or Mexico?
  • Does my personal policy cover me when driving my company car?
  • What happens if I owe more than my vehicle is worth?
  • Can my teen driver be rated on a liability-only vehicle?
  • How much liability coverage do I need in Texas?
  • Should I buy additional glass protection?
  • Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent.

Buying auto insurance from a local Pasadena agent

Educated insurance agents can answer important questions and help in the event of a claim. One of the great benefits of price shopping on the web is the fact that you can find the best rates and still have an agent to talk to. Buying from local businesses is definitely important in Pasadena.

After filling out this form (opens in new window), the quote information is emailed to companies in Pasadena who will compete for your coverage. You never need to leave your computer because quoted prices will be sent straight to your inbox. Now that’s easy!

Auto insurance agents in Pasadena come in two varieties

If you’re trying to find a local agent, you must know there are a couple different types of agents that you can select. Insurance agencies in Pasadena can either be independent (non-captive) or captive. Either one can write coverage properly, but it’s worth mentioning the difference between them since it may influence the selection process.

Independent Agents (or Brokers)

Independent insurance agents are not employed by any specific company but instead can place your coverage with lots of companies enabling the ability to shop coverage around. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to find a new agent. When comparison shopping, it’s a good idea to get quotes from at least one independent agent to have the most options to choose from. They often place coverage with smaller regional carriers who may have lower rates.

Listed below are Pasadena independent agents willing to provide competitive price quotes.

  • Johnnie H Eddins Agency – 515 Main St – Pasadena, TX 77506 – (713) 477-3608
  • David Walker Agency – 1710 E Martha Ln – Pasadena, TX 77502 – (713) 661-8498
  • America Standard Agency-Tx – 1703 Shaver St – Pasadena, TX 77502 – (713) 777-2886
  • ASAP Insurance – 1208 Burke Rd – Pasadena, TX 77506 – (713) 534-9566
  • Allied Insurance – 3222 Burke Rd # 100 – Pasadena, TX 77504 – (713) 947-6660
Captive Agents

These agents have only one company to place business with and some examples include AAA, Allstate and State Farm. Captives cannot provide prices from multiple companies so they have no alternatives for high prices. These agents are well schooled on their company’s products which helps them sell insurance even at higher premiums. Some consumers prefer to buy insurance from these agents primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.

Listed below are Pasadena captive agencies that are able to give comparison quotes.

  • Farmers Insurance Group – 6415 Fairmont Pkwy # C – Pasadena, TX 77505 – (281) 476-1506
  • Allstate Insurance – 825 E Southmore Ave # 204 – Pasadena, TX 77502 – (713) 472-6254

To view a complete directory of captive agents in Pasadena, view this link.

Deciding on an insurance agency needs to be determined by more than just the bottom line cost. These questions are important to ask:

  • Do they regularly work with personal auto policies?
  • Do they make recommendations based only on price?
  • How are claims handled?
  • Can they provide you with a list of referrals?
  • Does the company allow you to choose your own collision repair facility?
  • Is working in the agency their full-time job?
  • Does the agency provide any after hours assistance?
  • How are they compensated?

Upon getting satisfactory answers to any questions you have and an acceptable price quote, you may have just found an auto insurance agent that will properly service your auto insurance policy.

But what about buying coverage online?

Insurance agents are perfect for certain consumers, but you also have the option of buying Texas car insurance direct from companies that only sell online. A few companies who have local Pasadena agents also allow you to get quotes and purchase online, so this should also be taken into consideration if you want to do it yourself.

If you’re worried about not having someone to ask questions, that shouldn’t be an issue. Companies provide options you can use to get advice on coverages.

Do online companies have better rates? The answer to that question is complicated because of the number of factors that impact your rate calculation. Common logic is that a consumer who buys direct saves money by not requiring a commission. In reality, advertising budgets are huge and this tends to eat up any savings.

Learn more about Texas auto insurance

Additional auto insurance information is located on the Texas Department of Insurance website found here. Texas consumers can learn about insurance regulations, learn about specific coverages, and find a variety of consumer forms.

Smart consumers save more

Lower-priced auto insurance is definitely available both online and also from your neighborhood Pasadena agents, and you need to price shop both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

Find an agent in Texas

As you shop your coverage around, never sacrifice coverage to reduce premiums. In too many instances, an insured dropped liability limits or collision coverage only to discover later that it was a big error on their part. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.