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Texas General Auto Insurance

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Company Details

Address:

2500 West Loop South Suite 455

City:
Houston
State:
TX
ZIP Code:
77027
Phone Number:
+1-713-622-5977 or +1-877-419-5803
Year Founded
2009
AM Best Rating:
Company Rating 0 (0 reviews)

Things to Remember...

  • Texas General Auto Insurance is located in Houston, Texas
  • They represent a variety of auto insurance companies, including Fidelity National Insurance, Mercury Insurance Group, the Travelers Companies, and Hagerty Insurance for collector cars
  • Texas General Insurance Agency believes that clients get the best service by comparing auto insurance companies’ rates.

This Texas General Auto Insurance Review looks at the Texas General Insurance Agency in Houston, Texas.

This agency offers a variety of different auto insurance products and services.

They represent a variety of auto insurance companies, including Fidelity National Insurance, Mercury Insurance Group, the Travelers Companies, and Hagerty Insurance for collector cars.

Texas General Insurance Agency is client and community-focused, according to the company’s website.

Comparing your current auto insurance rates with free auto insurance quotes from other insurers is a great way to learn if you’re paying too much for auto insurance.

The company insures individuals, families, and commercial enterprises of all types and sizes. Senior agents of the company possess 60 years’ combined experience in the insurance industry.

The company also maintains a network of real estate, mortgage, and legal resources. The company operates within the state of Texas.

Type in your home zip code to request auto insurance quotes now!

Texas General Auto Insurance and Benefits Partners

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Texas General Insurance Agency helps clients when they’re buying a new car or home by providing access to helpful insurance products and programs.

For example, the company can help link the client with a real estate attorney and homeowner or mortgage protection insurance products.

Life insurance, disability, and long-term care insurance programs also help individuals, families, and employer businesses to make financial plans for the future.

The company partners with Benefit Concepts, a company that helps clients select cost-effective benefits programs, including workers’ comp products.

Texas General Auto Insurance and Independent Agents

Texas General Auto Insurance doesn’t underwrite client insurance programs. Instead, the company acts as a broker-agent for a variety of other insurance companies.

By offering a variety of auto insurance solutions, Texas General hopes to provide cost-effective insurance plans to their clients.

If an existing auto insurer raises premiums too high, the client has the option of comparing auto insurance rates with other companies within agency’s network of insurance providers.

The company selects financially sound insurance providers, according to the company website.

Texas General Insurance Agency believes that clients get the best service by comparing auto insurance companies’ rates.

The company isn’t bound to sell the insurance products of just one company, and that helps customers take advantage of competitive insurance companies.

Since no customer is like another, it stands to reason that clients need a variety of auto insurance solutions to meet their needs.

Customers must purchase auto insurance to get behind the wheel of an automobile, to buy a home to operate a business, or to provide financial liquidity in the event of an untimely death.

When customers need to present a claim against an insurance company, the agency assists in helping the client interface with the insurer for a rapid turnaround of payments.

The company believes that by putting clients first, their business grows from long-term relationships.

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Texas General Auto Insurance

In order to help their clients obtain auto insurance, Texas General Insurance Agency requests information about the person, family, or company interested in insuring an auto.

The information collected by the company for the purpose of obtaining auto insurance includes name, address, and phone number (and spousal information).

– Age

The age of the driver and his marital status help the insurance company to understand the driver’s potential risk to the insurance companies.

Men under age 25, or unmarried persons, may be considered higher risk by some companies.

– Occupation

The prospective driver’s occupation may affect how much the insurance company charges to insure the driver. For example, artists have lower accident rates than litigation attorneys.

The prospective insured or persons must provide driver license numbers and Social Security numbers.

Some prospective clients may not like the idea of providing this information to an insurance company through an online portal.

The reason that most insurance companies require the information is two-fold: if the prospective customer has had an accident or moving violation within three years, his driver license record reports this information.

– Driving History

In some cases, the record may not report a very recent event.

The insurance company requests a truthful report of the prospect’s driving history.

Providing a Social Security number helps an auto insurance company to determine the potential financial responsibility of a driver.

– Credit History

Insurance companies have analyzed the relationship between good credit and safe driving.

While the two factors don’t always go hand-in-hand, the insurance industry believes that a person or business with good credit is more likely to be a safe driver.

– Claim History

Paying out claims is something the auto insurance company wants to avoid if possible.

Prospective clients must also provide information about the cars they’d like an insurance company to protect.

– Car Information

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Information about the make, year, and model helps the insurance company to relate the statistics about how often cars like the prospective customers require service and repairs (even when unrelated to events like an auto accident).

The prospective client is asked to provide how many miles he drives a year, and the vehicle identification number (VIN) of the car.

The insurance company knows that low miles driven per year may reflect a safer driver record and lower repair costs.

The company may then check the auto repair history by the owner’s VIN. If the car has a history of extensive repairs, the insurance company may wonder if the driver has unreported auto accidents.

The insurance company asks about how the owner of the car uses the vehicle.

If the driver takes his auto to work each day, an insurance company may assign a slightly higher risk profile to the driver.

A prospective client who takes public transportation to work is considered a potentially lower risk to the insurance company.

Where the driver parks the car each night is important to the insurance company.

Some neighborhoods and locations bear a higher theft or incident rate than others.

Learning where the driver parks the car (in a garage, carport, or without a cover) affects the insurance company’s risk assessment.

Information about custom work on the vehicle is also a consideration to an insurance company.

If the driver of a custom-outfitted vehicle is in an auto accident, or if the equipment requires repair, costs of these repairs may accrue to the insurance company.

– Current Auto Policy

Finally, information about your current auto insurance company and policy limits help a new company to assess your risk.

If you’ve maintained an auto insurance policy for several years and haven’t submitted any claims, a new auto insurer may assign a lower risk level to your profile.

Now you know that one of the best ways to save money on auto insurance is to compare your existing auto insurance rates with auto insurance quotes from a variety of other companies.

That’s a good idea if you’d like to save money on auto insurance. Start by typing in your home location now!

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