Top Ways to Find an Auto Insurance Agent in Baytown

When trying to find a good Baytown agent, we recommend you start your research using online quotes to save yourself time. You require a good agent that listens to you, and also want to find the lowest rates for car insurance in Baytown.

Lots of auto insurance agents contend for your insurance dollar, and it can be difficult to compare rates to find the lowest rate

Online quotes help locate Baytown agents

Professional agents can help determine the best coverages and give you peace of mind. The biggest benefit of comparing insurance prices online is you can get the best rates and still choose a local agent.

After completing this simple form, your insurance coverage information is emailed to participating agents in Baytown who will compete for your insurance coverage. You never need to visit any agencies because quoted prices will be sent straight to your inbox. It doesn’t get any easier! Get lower rates AND an agent nearby.

Choosing an auto insurance agent shouldn’t rely on just the price. Any agent should be forthright in answering these questions:

  • Which company do they place the most coverage with?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Does the agency support the community they serve?
  • Will your rates increase after a single accident?
  • Can they provide you with a list of referrals?
  • Are you getting all the discounts the company offers?
  • Which insurance companies are they affiliated with?

The type of auto insurance agent you choose is important

When searching for local Baytown agents, there are two types of agencies that you can select. Insurance agencies in Baytown are classified as either captive or independent (non-captive).

Captive Insurance Agents

Captive insurance agents write business for a single company and examples are American Family, State Farm and Allstate. Captives cannot compare other company’s rates so always compare other rates. Captives receive extensive training on their company’s products which can be an advantage.

The following is a list of captive agents in Baytown willing to provide comparison quotes.

Allstate Insurance – 608 Rollingbrook St – Baytown, TX 77521 – (281) 422-2282
Farm Bureau Insurance – 10403 Eagle Dr – Baytown, TX 77520 – (281) 576-0407
Farmers Insurance Group – 10425 Eagle Dr – Baytown, TX 77520 – (281) 576-6036

Independent Agents (or Brokers)

These agents do not work for one specific company but rather can write business with any number of different companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house and that require little work on your part.

When shopping rates, we recommend you contact several independent insurance agents to have the most options to choose from.

Shown below is a short list of independent agents in Baytown willing to provide price quotes.

Bill Martin Insurance – 2819 N Main St – Baytown, TX 77521 – (281) 427-6828
Mark Farris Agency – 313 S Highway 146 # A – Baytown, TX 77520 – (281) 428-0996
Guaranty Insurance Svc Inc – 4544 East Fwy # 110 – Baytown, TX 77521 – (281) 421-7605

For a complete listing of car insurance agents in Baytown, view this link.

Upon getting answers to your satisfaction to your questions and a good coverage price, it’s possible that you found a car insurance agent that meets your needs to service your policy.

Can you save by buying online?

Local insurance agents are important to many people, but you can also buy Texas car insurance from companies direct over the internet. Certain companies who sell through agents in Baytown also give you the option to buy direct online, and online price comparisons are easy if you prefer to buy online.

If you’re uneasy about not receiving proper advice when buying direct, that is normal but is not a big issue. Online car insurance companies all provide contact methods you can use to get advice on coverages.

Do online companies have better rates? The answer is complex due to the large number of individual components that impact your final bill. Common logic is that buying direct saves money by not requiring a commission. For most companies selling online, however, there are high advertising and marketing costs and those expenses can offset most of the savings by selling direct.

quotes for Baytown Texas insurance

If the lowest price is important, the best way to know if the best rates are online or from local agents is to compare price quotes from both. It’s possible to get different rates from online quotes as compared to agent rates from the exact same provider.

For more information

More detailed Texas car insurance information is available at the Texas Department of Insurance website. Consumers can learn about insurance regulations, discover disciplinary actions, find out which companies have the most complaints, and find out industry alerts.

And the best car insurance company is…

As you shop your coverage around, it’s not a good idea to skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at an affordable rate.

Insureds change insurance companies for many reasons like lack of trust in their agent, being labeled a high risk driver, policy cancellation and even delays in responding to claim requests. It doesn’t matter why you want to switch finding the right car insurance provider is actually quite simple.