I live in Houston TX as well as you, where should I get a free online auto insurance quote, or better yet, who has the lowest car insurance rate for the Houston area? I have found that getting multiple insurance quotes online, then calling the agents individually with the lowest quote you found works best. So, get a few quotes from the quote form up to the left on this page, then take the lowest quote you received and call your current agent or a local agent in your are and see if they can beat that price. There are only a handful of national car insurance carriers these days, but there are tons of agents for these insurance companies.