Are you shopping for cheap auto insurance? There is much more to it than choosing the cheapest car insurance. You should actually be searching for a “who” not the dollar sign, somebody you feel comfortable with and can trust who will guide you to choosing the right type of coverage.

As you probably have already realized, there are numerous agents in the Houston and surrounding areas of zip codes 77003, 77047, 77493, and 77469. They all would like to have your business, but how do you know which one to choose?  Here we offer four steps that can help you make that choice so that you get the right one for you.

Recognize the Different Insurance Agent Types

An insurance agent may only represent one insurance company making them a direct agent that is employed by that company. They will only sell you that company’s insurance products, which may not be the cheapest auto insurance around.

There are independent insurance agents that represent several insurance carriers. Some are employed by a local agency, but they are not restricted to sell only one company’s products. They often have different options in choosing a cheap car insurance.

Ask for Recommendations

One of the best ways to find an insurance agent is to ask for recommendations from your family, friends, co-workers, and neighbors. As you chat with different agents, ask them for references and then make the phone calls to follow up on them.

Do Your Research

After you receive those recommendations, do your research on the various agents. Research the companies they work for or represent in regards to licenses and any disciplinary actions or investigations. Check on their claim process and how long they take to pay off.

Interview Various Agents

After you do your research and narrow down your list, interview each of the agents left. Tell them what kind of cheap auto insurance you’re looking for, what your budget is and what type of coverage you need. Ask them to tell you about their history in the insurance field. How long have they been in Houston or the surrounding suburbs?