Driving in Houston is no small task. The city is America’s fourth largest. It also ranks 167th out of 200 cities for driver safety. Given the higher risks, residents should expect increased auto insurance costs.

The average Texas rate for auto insurance is about $900 per year. However, in Houston, the average driver can expect to pay between $1,400 and $1,500 per year, or about $120 per month. That’s a significant chunk out of anyone’s checkbook. So, if you’re a Houston resident, you likely want to save as much as you can on car insurance.

It’s not always easy to find the lowest rates on auto policies. However, one of the best ways to do so is to compare the prices of different car insurers. Many different insurance companies offer competitive prices on essentially the same coverage.

What’s the best way to compare insurance companies? By working with an independent insurance agency.

What is an Independent Insurance Agency?

Independent insurance agencies are free-standing entities. Unlike Captive Agents, they’re not tethered to selling the policies of just one insurer. These free-standing agencies often sell the policies of multiple companies.

How Does this Benefit You?

The best way to find an affordable insurance policy s to compare policy rates from different companies. When working with an independent agency, you can find that comparison tool in one place.

Independent agents can cross-analyze the policy offerings of their insurance partners. They will look at the pricing options of similar policies from different providers. The can usually plug in your desired coverage limits to better isolate what you're looking for. If you tell your agent you want the most affordable coverage, they can likely find that for you. Keep in mind, indy agents might not work with every insurer. However, they can likely get you the lowest costs in their network of agencies.

Other Benefits of an Independent Agency

Working with an independent agency is a great way to complete enrollment with the help of a professional. Independent agents can help you set up your policy for maximum benefits. They can often help you:

• Determine the coverage limits that best serve your vehicle.
• Increase or decrease your deductible for additional cost savings.
• Understand your qualifications for discounts. If you can enroll in multiple discounts, your cost savings will increase.

By working with an independent agency, you will have the peace of mind that comes when a professional helps you find the right coverage. You won’t have to worry about going it alone, and winding up with car insurance that isn’t to your benefit.

So, if you’re ready for car insurance, we’re ready to help you. Contact Texas Risk Solutions, LLC today, and we’ll help you find the most affordable coverage in Texas!