Lower Rates from Missouri City Auto Insurance Agents

If you’re trying to find a good Missouri City agent, we recommend you start your research online rather than picking up the phone. You need a professional agent, and also the lowest rates for auto insurance in Missouri City.

Many auto insurance agents vie for your insurance dollar, and because of this it can be hard to compare insurance agents and get the definite best rates possible.

Quote online, buy local

Agents are trained to spot inefficiencies and give you peace of mind. The biggest benefit of comparing insurance prices online is you can get lower rates but also keep your business local.

After filling out this simple form, your information is submitted to local insurance agents who will return price quotes for your coverage. There is no need to leave your computer since price quotes are sent to the email address you provide. It doesn’t get any easier!

Selecting an auto insurance agent shouldn’t rely on just a cheap price. These are valid questions to ask:

  • Who is covered by the car insurance policy?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Are they full-time agents?
  • Are they able to influence company decisions when a claim is filed?
  • How many years of experience in personal lines insurance coverages do they have?
  • Is assistance available after office hours?
  • How are claims handled?

The difference between Missouri City auto insurance agents

When researching an insurance agent, there are two types of insurance agents to choose from. Agencies in Missouri City are classified as either captive or independent (non-captive). Either one can properly insure your vehicles, but it’s worth learning how they are different since it may influence your selection of an agent.

Captive Insurance Agents

Captive agencies write business for a single company and some examples include Farmers Insurance or State Farm. Captives cannot shop your coverage around so they have to upsell other benefits. Captives are very knowledgeable on the products they sell which can be an advantage.

Listed below is a list of captive agencies in Missouri City who may provide you with comparison quotes.

Farmers Insurance Group – 2402 Cartwright Rd – Missouri City, TX 77489 – (281) 499-2818
State Farm Insurance – 5819 Highway 6 # 260 – Missouri City, TX 77459 – (281) 499-5687
Allstate Insurance – 5819 Highway 6 # 130 – Missouri City, TX 77459 – (281) 499-2222

Independent Agencies or Brokers

Independent agencies do not work for one specific company so they have the ability to put coverage with any number of different companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency.

When shopping rates, we recommend you get quotes from at a minimum one independent agency to get the best comparison.

Shown below are independent agents in Missouri City that are able to give comparison quotes.

Greyling B Poats Insurance – 6730 Highway 6 – Missouri City, TX 77459 – (281) 499-9966
Truitt Insurance – 3415 Cartwright Rd – Missouri City, TX 77459 – (281) 499-3559
Jim Murray Agency – 3550 Fm 1092 Rd – Missouri City, TX 77459 – (281) 499-0377

For a full directory of insurance agents in Missouri City, visit this site.

Once you have received positive feedback and a good coverage price, most likely you have located an auto insurance agent that will provide auto insurance coverage.

Keep your options open

Local insurance agents are indespensible for some people, but you can also buy Texas car insurance from companies direct over the internet. Certain auto insurance companies who have local Missouri City agents also give you the ability to buy a policy online, so keep that in mind if you are the do-it-yourself type.

If you’re uneasy about having to choose coverages yourself, that should not be a issue. Car insurance companies that allow you to purchase coverage have customer service departments for answering any questions you have.

Is pricing better online? It’s hard to say exactly because there are so many things that determine your policy premium. It’s logical to say that buying directly from the company cuts out the middleman. In reality, the cost of constant advertising is expensive and that can quickly cost more than paying an agent.

The best insurance company isn’t always the cheapest

Insureds who switch companies do it for many reasons like policy non-renewal, questionable increases in premium, not issuing a premium refund or policy cancellation. Whatever your reason, switching companies can be pretty painless.

Cheaper auto insurance can be purchased from both online companies and with local Missouri City insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer online quoting and many times these small insurance companies only sell through independent insurance agents.

Texas auto insurance information

More tips and info about auto insurance can be read at the Texas Department of Insurance website. Visitors are able to read consumer alerts, file complaints about an insurance agent or broker, get help finding coverage, and download brochures.