Do you need a fast way to compare the cheapest Kia Niro insurance in Houston? Locating the lowest price Houston Kia Niro insurance quotes can seem to be rather difficult for vehicle owners that are relatively new to buying insurance over the internet. Because there are so many companies, how are we expected to have the ability to compare them all to find the lowest price?
A recent NerdWallet.com study revealed that most drivers in Texas have stayed with the same insurance company for at least the last four years, and 38% of customers have never shopped around. With the average premium in the U.S. being $1,847, drivers could pocket $860 a year, but they don’t believe the benefits if they replace their high priced policy.
Finding the lowest cost policy in Houston is easy to do. In essence, anyone who is required by state law to have auto insurance should find a lower-cost policy. Nevertheless, Texas vehicle owners must understand how insurance companies calculate your policy premium and apply this information to your search.
How to compare Kia Niro insurance rate quotes in Houston
It’s important to know that comparing a large number of companies helps increase your odds of locating lower pricing. Some insurance companies are not set up to provide online price quotes, so it’s recommended that you also compare quotes from them, too.
The providers in the list below offer free quotes in Houston, TX. If multiple companies are shown, we recommend you get rate quotes from several of them to get the best price comparison.
Auto insurance can get complicated
When choosing adequate coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that
For instance, these questions could help you determine whether you might need an agent’s assistance.
- Do I need to file an SR-22 for a DUI in Texas?
- Is there a penalty for late payment?
- Is my son or daughter covered when driving my car?
- Am I covered when driving in Canada or Mexico?
- Do I need added coverage for expensive stereo equipment?
- Am I missing any policy discounts?
- Is a blown tire covered by insurance?
- Am I covered if I back into my garage door?
If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.
Buying car insurance from Houston insurance agencies
Many drivers prefer to get advice from a local agent and that can be a smart move An additional benefit of comparing rate quotes online is that you can obtain better rates and still have a local agent. And supporting local agents is important especially in Houston.
To help locate an agent, after submitting this short form, your insurance data is emailed to participating agents in Houston who will return price quotes for your car insurance coverage. There is no need to search for an agent as quotes are delivered immediately to your email address. You can find lower rates and work with a local agent. If you have a need to get a rate quote for a specific company, you just need to find their quoting web page and fill out the quote form the provide.
If you need to find a reputable agency, you need to know there are two different types of agencies that you can choose from. Car insurance agents in Houston are classified as either independent agents or exclusive agents.
Independent Agents
Agents in the independent channel are not employed by one company so they can insure your vehicles through lots of different companies and potentially find a lower price. If you want to switch companies, your agent can switch companies and you don’t have to do anything.
If you need lower rates, you should always contact several independent agencies to get the best comparison. Many write coverage with small regional insurance companies who may have lower rates.
Featured below is a partial list of independent insurance agents in Houston that can give you free car insurance rate quotes.
- Gem Insurance Agencies
3355 W Alabama St #850 – Houston, TX 77098 – (713) 622-2330 – View Map - Dean and Draper Insurance Agency, LP
3131 W Alabama St #150 – Houston, TX 77098 – (713) 527-0444 – View Map - Noveri Insurance Agency
2657 Gessner Rd – Houston, TX 77080 – (713) 460-9400 – View Map
Exclusive Agents
Agents of this type can only provide one company’s prices such as Farmers Insurance, Allstate, or State Farm. They generally cannot give you multiple price quotes so keep that in mind. Exclusive agents are usually well trained on the products they sell which helps them sell insurance even at higher premiums. Drivers often buy from the same agent for years partially due to the brand name and solid financial strength.
The following is a short list of exclusive agents in Houston willing to provide rate quotes.
- Scott McNab – State Farm Insurance Agent
1005 Waugh Dr b – Houston, TX 77019 – (713) 520-5556 – View Map - State Farm: Jack Wallace
3405 Mercer St – Houston, TX 77027 – (713) 626-7500 – View Map - Sean Wong – State Farm Insurance Agent
7035 Hwy 6 N – Houston, TX 77095 – (281) 550-0555 – View Map
Finding the right insurance agent should include more criteria than just a cheap price quote. These are some valid questions you should ask.
- What discounts might you be missing?
- Did they already check your driving record and credit reports?
- Can they help ensure a fair claim settlement?
- What insurance company do they write the most business with?
- How long have they been in business?
- Can you get a list of referrals?