How long has it been since you compared quotes for lower-priced auto insurance rates in Houston, TX? Houston drivers have lots of choices when trying to find the lowest priced Jeep Cherokee insurance. You can either spend your time driving around to get rate comparisons or save time using the internet to make rate comparisons.
There are more efficient ways to shop for auto insurance and you need to know the absolute fastest way to compare rates for a new or used Jeep and locate the lowest possible price from both online companies and Houston agents.
It’s a great practice to quote other rates once or twice a year because prices change quite often. Even if you think you had the lowest price on Jeep Cherokee insurance in Houston a few years ago there may be better deals available now. There are a lot of ways to save on Cherokee insurance online, but in a few minutes you can learn some excellent ideas to lower your auto insurance premiums.
If you’re already insured or just want cheaper rates, you can learn to get lower rates and still get good coverage. The purpose of this post is to instruct you on how to get online quotes. Smart shoppers just have to learn the most effective way to shop their coverage around instantly.
Cutting your Houston insurance rates is actually easier than you may think. Just invest a little time to compare rates online from several insurance companies.
The companies shown below are our best choices to provide free quotes in Texas. If more than one company is shown, we recommend you visit as many as you can in order to get a fair rate comparison.
Tailor your car insurance coverage to you
When quoting and comparing the right insurance coverage for your personal vehicles, there really is no one-size-fits-all type of policy. Everyone’s situation is unique and a cookie cutter policy won’t apply.
For instance, these questions might point out if your insurance needs might need an agent’s assistance.
- Should I pay a claim out-of-pocket?
- What is an adequate liability insurance limit?
- Is pet coverage available?
- Is my ex-spouse still covered by my policy?
- Is upholstery damage covered by car insurance?
- Is rental equipment covered for theft or damage?
- Is pleasure use cheaper than using my Jeep Cherokee to commute?
- What is the premium to book value ratio for dropping full coverage?
- Am I covered if my car is in a flood?
- Should I rate my Jeep Cherokee as pleasure use or commute?
If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.
Compare prices but buy from a local neighborhood Houston car insurance agent
Some people prefer to sit down and talk to an agent. Licensed agents can answer important questions and help file insurance claims. One of the best bonuses of comparing insurance prices online is that you can find cheap insurance rates and also buy local. Putting coverage with neighborhood agents is important particularly in Houston.
To make it easy to find an agent, after completing this quick form, the coverage information is submitted to participating agents in Houston who will give you quotes for your insurance coverage. You don’t have to find an agent on your own since rate quotes are delivered to you instantly. If you want to get a rate quote from a specific insurance provider, just search and find their rate quote page and fill out their quote form.
Best auto insurance agent in Houston
When narrowing the list to find a good Houston insurance agent, you must know there are a couple different types of agents and how they are distinctly different. Insurance agents are considered either independent (non-exclusive) or exclusive. Both properly insure your vehicles, but we need to point out the difference between them since it can impact which type of agent you select.
Independent Insurance Agencies
Agents in the independent channel often have many company appointments so they can insure your vehicles through many companies and find the cheapest rate. If prices rise, they simply switch companies in-house and that require little work on your part. If you need lower rates, you will definitely want to compare prices from a couple of independent agencies in order to compare the most rates. A lot of them also have access to smaller mutual companies that may have much lower rates than larger companies.
The following are Houston independent insurance agents that may be able to give pricing information.
- Gem Insurance Agencies
3355 W Alabama St #850 – Houston, TX 77098 – (713) 622-2330 – View Map - Kingspoint Insurance Agency, Inc.
11200 Westheimer Rd #850 – Houston, TX 77042 – (713) 850-1660 – View Map - AA-USA-Insurance
702 W Sam Houston Pkwy S – Houston, TX 77042 – (713) 914-0354 – View Map
Exclusive Insurance Agencies
These type of agents are contracted to one company like State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot provide prices from multiple companies so keep that in mind. They receive a lot of sales training on the products they sell which aids in selling service over price. Consumers sometimes buy from the same agent for years primarily because of loyalty to the company and solid financial strength.
The following is a short list of exclusive agencies in Houston that can give you price quote information.
- Ben Speer – State Farm Insurance Agent
1110 E NASA Pkwy Ste 300 – Houston, TX 77058 – (281) 204-8282 – View Map - James Banks – State Farm Insurance Agent
4809 Main St – Houston, TX 77002 – (713) 523-7100 – View Map - Brandon Herndon – State Farm Insurance Agent
10103 Fondren Rd #150 – Houston, TX 77096 – (832) 431-4222 – View Map
Finding the right car insurance agent should depend on more than just the quoted price. The following questions are important to ask.
- Is assistance available after office hours?
- What will you get paid if your car is a total loss? How is that amount determined?
- When do they do policy reviews?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Do they write coverage based solely on cost?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Are they able to provide referrals?
- Do you have coverage for a rental car if your vehicle is in the repair shop?