Beaumont, TX Car Insurance Agent Online Price Comparisons

Finding good car insurance in Beaumont can be challenging since there are a lot of options and selecting the best Beaumont insurance agency for your needs takes more work than just using the same car insurance agent as your neighbor. You require a good professional insurance agent, but also the best price on car insurance.

With so many companies to choose from, it can be hard to pick the best insurer.

It’s not one size fits all

When choosing the best car insurance coverage, there really is no cookie cutter policy. Every situation is different so this has to be addressed. For instance, these questions might point out whether your personal situation might need an agent’s assistance.

• Is there coverage for injuries to my pets?
• Am I covered if I wreck a rental car?
• Is my nanny covered when driving my vehicle?
• Does my policy cover me when driving someone else’s vehicle?
• Do I need higher deductibles?
• When does my teenage driver need to be added to my policy?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Who is covered when they drive my vehicle?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent.

Comparing rates from local agents

Agents can help determine the best coverages and help submit paperwork. One of the best bonuses of comparing insurance prices online is you can get better rates and still have an agent to talk to.

After completing this form (opens in new window), your information is emailed to participating agents in Beaumont who will return price quotes to get your business. You don’t have to leave your house due to the fact that quote results will go immediately to your email address. It doesn’t get any easier!

Picking an auto insurance agent requires more thought than just the price. These questions are important to ask:

• Do they have any clout with companies to ensure a fair claim settlement?
• Will your rates increase after a single accident?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• What insurance companies do they work with?
• Which company do they place the most coverage with?
• Does the agency have a good rating with the Better Business Bureau?
• How often do they review policy coverages?
• Does the company allow you to choose your own collision repair facility?

The difference between Beaumont auto insurance agents

When looking for a local agent, you must know there are a couple different types of agents that you can select. Agencies in Beaumont are categorized either independent (non-captive) or captive. Both insure your vehicles, but it’s worth mentioning how they are different because it can impact your selection of an agent.

Agency Captives

Captive insurance agents work for only one company like AAA, Allstate and State Farm. These agents are unable to shop your coverage around so always compare other rates. Captives are trained well on the products they sell which can be an advantage.

Below are captive agents in Beaumont that can give you price quotes.

Allstate Financial Svc – 550 Fannin St # 1310 – Beaumont, TX 77701 – (409) 835-7688
Farm Bureau Insurance – 7495 Fannett Rd – Beaumont, TX 77705 – (409) 842-1325
State Farm Insurance – 4180 Delaware St # 101 – Beaumont, TX 77706 – (409) 895-0681
Farmers Insurance Group – 2626 Mcfaddin St – Beaumont, TX 77702 – (409) 838-4144

Independent Insurance Agents

Independent agencies are not required to write business for one company so they have the ability to put coverage with lots of companies depending on which coverage is best. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part.

When comparing rates, it’s recommended you include at a minimum one independent agency for the best price selection.

Below are independent insurance agents in Beaumont that can give you price quotes.

Sue Harris Agency – 2850 Eastex Fwy # 101 – Beaumont, TX 77703 – (409) 899-3333
Ann Truong Insurance – 360 S M L King Jr Pkwy – Beaumont, TX 77701 – (409) 813-2021
Mary Folsom Agency – 6640 Eastex Fwy # 144 – Beaumont, TX 77708 – (409) 347-2400
Galloway Insurance – 4105 Dowlen Rd # E – Beaumont, TX 77706 – (409) 924-8782

For a full directory of insurance agents in Beaumont, please click here.

Upon getting answers to your satisfaction for all questions you ask and an affordable coverage quote, you may have just found a car insurance agent that can properly service your car insurance policy.

Keep your options open

Insurance agents serve a purpose, but you also have the option of buying Texas car insurance from online companies direct. Certain companies who employ agents additionally provide the ability to buy direct online, and that is helpful as an alternative to contacting agents.

If you’re apprehensive about not receiving proper advice when buying online, that shouldn’t be an issue. Online companies all provide contact methods to answer any questions you may have.

Will auto insurance cost less online? It’s difficult to provide an answer because there are many components that can increase policy rates. It’s a logical assumption that purchasing direct online saves the cost of an agent commission. But the fact is, marketing expenses are significant and this drives up their premium costs.

When trying to find the best rates, the only way to determine who has the best rates, online companies or local insurance agents, is to make apples-to-apples comparisons of both. It’s not unheard of to actually get different prices from the same insurance company when they compare quotes from both. But it’s impossible to know whether the best rates are online or from an agent until you actually compare rates both ways.

More consumer information in Texas

More detailed Texas car insurance information can be found at the Texas Department of Insurance website. Texas drivers can read consumer alerts, discover disciplinary actions, find out which companies have the most complaints, and learn about insurance regulations.

Other informative sites include QuoteClickInsure.com and this resource to find Beaumont, TX insurance agents.

In Summary

As you restructure your insurance plan, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where consumers will sacrifice liability coverage limits only to find out that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at an affordable rate.

People switch companies for many reasons like extreme rates for teen drivers, not issuing a premium refund, policy non-renewal and high rates after DUI convictions. It doesn’t matter what your reason, switching companies can be less work than you think.