Car Insurance Companies Near Me – TGS Insurance » Auto Insurance » Houston Auto Insurance » Best Car Insurance Carriers Best Car Insurance Companies in Houston 2022
Finding the best auto insurance provider depends on many factors related to the driver and the insured vehicle. However, the two details that customers cite when choosing a carrier are price and current/previous customer satisfaction. Let’s review both as we look at the best car insurance companies in Houston for 2022!
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The best way to find the cheapest car insurance in Houston is to shop around and get quotes from at least five carriers while maintaining adequate coverage limits. (Or use an independent insurance agency like TGS Insurance to do it for you!) Each carrier sets its rates based on an internal risk analysis, so the exact same coverage for the same vehicle and driver will be different across carriers.
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At TGS Insurance Agency, our five cheapest auto insurance companies in Houston for full coverage auto insurance are Progressive, Mercury, Travelers, Safeco and Allstate.
Although these carriers were the cheapest for most customers, these are just the five companies we represent. Different carriers have insurance for drivers with certain conditions, such as high-risk drivers with multiple quotes. But again, the best way to make sure you get the best policy is to shop around.
We’ve compiled a list of the five top-rated insurance companies we partner with to provide you with the best coverage and the most competitive rates. The ratings below are compiled by combining reviews and ratings from multiple sources, including Forbes Advisor and US News, along with our own internal data.
At TGS Insurance Agency, our top five Houston auto insurance companies that have consistently shown excellent ratings for customer service are Nationwide, Travelers, State Farm, Allstate and Progressive.
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Buying auto insurance can be a daunting and time-consuming task. But with TGS Insurance, you can do more things you enjoy with your time, and let us do all the work for you. When you enter your information for a free, no-obligation quote, our independent agents will find you the best auto insurance policy at the most competitive price on the market. As an independent insurance agency, we do not work for any carrier. We do the work for you, helping us find you the best coverage and rates for your unique situation without bias.
Every driver is unique. Insurance premium costs are affected by several factors. Therefore, we recommend that you get an individual quote to determine your prices.
Our data represents qualitative, publicly obtained and internal data, but should not be considered binding. You may be surprised at the staggering savings people find when they shop online for a local independent auto insurance broker.
Let’s get some information and learn what independent insurance agents do to help you find affordable insurance with a local auto insurance agency.
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Independent insurance agents or brokers are basically agents who are not specific to one insurance company.
This gives brokers or independent agents the flexibility to offer many of the best insurance companies at the most affordable rates.
Because the selection of personal, commercial and life insurance companies is so extensive that you don’t need to contact several agents for quotes.
You can see how independent insurance agents can save you in real time when you shop for affordable insurance.
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The terms “insurance agents” and “insurance brokers” seem to be used interchangeably when talking about insurance.
Insurance brokers are independent agents who do not work for any insurance company. Insurance brokers are free to work with many insurance companies.
Independent insurance brokers contract directly with insurance companies to sell each company’s insurance products. Once approved by each insurance company, they have the ability to sell in multiple states and serve customers not only locally, but nationwide.
Insurance agents are affiliated with one company and will only recommend insurance products. Insurance agents usually only sell in their local area and will not have the flexibility to offer other insurance company products or services.
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Example: Insurance Brokers Group contracts with several carriers such as Safeco, The Hartford, Progressive, Nationwide, Liberty Mutual and more.
Authorized to sell auto, home, commercial, life, roof insurance and other insurance products offered by these companies.
Having the flexibility to purchase multiple insurance companies. A local independent insurance broker gives consumers more options and options at lower insurance costs.
Flexibility gives independent insurance brokers the ability to mix and match different companies for the best insurance rates.
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Insurance brokers are not tied to one company, which means they don’t have to sell just one company or product. Advantage for you means more choices and more opportunities to save money!
Insurance brokers are paid a commission by the insurance company for their service, free of charge for consumers.
Insurance brokers offer value by saving time, money and energy in the search for affordable insurance. Let’s start checking low premiums?
Underwriters work directly as employees of an insurance company or are “captured” only to sell that company’s insurance products such as: auto, home, life and roof insurance.
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A car insurance agent is limited to making recommendations to that company and is not allowed to find or recommend a cheaper insurance company.
Most people are familiar with insurance agents without even realizing it. Insurance companies like AAA, Allstate, Farmers, State Farm, GEICO, American Family and others.
Local auto insurance brokers will visit multiple companies to find the best auto insurance rates. Some may charge a fee, you have to ask, but many rely entirely on sales commission. It acts as an intermediary between the insurer and you to facilitate the purchase process.
The prices are the same regardless of whether you call the insurance company directly or opt for a car insurance broker.
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Finding a local car insurance broker is easy – just search for a local car insurance broker or auto insurance near me.
There are many large insurance companies. But if you’re trying to get less insurance from an insurance agent, you’re out of luck.
Some independent insurance agents sell in multiple states, such as Insurance Brokers Group. Or you can find a local insurance broker near you to compare rates.
It depends on which state(s) the insurance broker is licensed in and which insurance companies they represent. You can simply call or go online to shop, compare and buy insurance.
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Where in years past there was an insurance agent on every corner. Today, people don’t have the time or energy to hold sit-down meetings and review with several agents.
Ask a friend or family member to refer you to a local independent insurance agent in your area for quotes.
Sometimes you come across these online insurance marketing sites and receive a large number of calls and emails from agents who are buying insurance leads.
You can receive continuous calls from 5 to 10 agents, even after you buy an insurance quote.
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Unfortunately, some websites are deceptive in their marketing and give customers the impression that only one company will contact them.
If you see the names of several companies mentioned, such as Allstate, Farmer, State Farm, Esurance, etc., it will tell you that they sell “pots” to both captive and independent agents.
The short answer is yes. Why spend hours and hours searching for the best car and home insurance when an insurance broker can do the same in minutes?
Plus, you have the advantage of negotiating better rates for your renewal without having to contact other companies every year.
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Call and speak directly to the insurance agent and ask if multiple insurance agents are calling you or just the person you called.
Getting quotes is important when shopping for cheap insurance and independent insurance agents will be able to give you several quotes. Make sure they offer comprehensive auto insurance plans that meet your needs.
Insurance quotes are more than just a cheap quote from your local insurance agent. Make sure they offer all the coverage you need or need.
One of the worst feelings is after submitting an insurance claim only to find out you don’t have coverage for the claim.
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You’ll never appreciate that small investment until you find out your car is in the shop for repairs for the next 30 days and receive a $900 rental car bill.
Calculate $1 month x 12 months = $12. $900 rental car / 12 year rental car coverage = 75 years you can go without needing to rent a car.
Yes, having a comprehensive auto insurance plan is not only smart, it can also save you money.
Insurance agents are the responsibility of the insurance company, not you. Agents act as representatives of the insurance company in the purchasing process because they are usually salaried employees. Most insurance agents are “trapped” into representing only one company, such as: All State, State Farm, Farmers, etc. Because they are contracted as insurance agents, they are not able to discuss or recommend other insurance companies.
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Insurance brokers represent the insurance buyer – you, the consumer business owner. They are appointed or contracted with various insurance companies. They have the flexibility to discuss many options and companies to suit your needs.