Comparing Your Options
Looking for a State Farm or Allstate Alternative in Katy, TX?
State Farm and Allstate, like many major carriers, have drawn significant coverage in the press and in the courts over claims handling and abrupt market pullbacks in recent years. That isn't a verdict on any one insurer's intentions; it just means the cheapest quote doesn't always reflect how a company treats you when you actually need to file a claim.
The Legacy United Difference
One Grading System, No Guesswork
Legacy United was built around a different standard: every quote comes with our own proprietary insurer grading, weighing a carrier's real-world reputation and claims record right alongside the price, so you're better informed for when it matters, not just at renewal. Read more about our approach on the About page.
| Large National Carriers | Legacy United | |
|---|---|---|
| Who you talk to | A rotating call center queue, or whoever picks up | Kimberli Pham or a member of her team, personally, every time |
| How carriers are chosen | One company's own products, or a scripted quote tool | Multiple carriers, weighed against our proprietary insurer grading |
| What the grading considers | Price alone | Price plus real-world reputation and claims-handling record |
| Contact method | Auto-dialers and lead-gen follow-up | No auto-dialers, no spam, one direct conversation |
Switching Carriers
Common Questions About Making the Switch
Is switching away from State Farm or Allstate difficult?
No. Kimberli Pham and her team handle the comparison and paperwork directly with you, and can typically time a switch to line up with your current policy's renewal date so there's no lapse in coverage.
Will an independent agent's rates be higher?
Not necessarily. It takes real time to match your specific needs against a range of carriers and find the ones that offer both the right price and the right service, rather than being locked into one insurer's rate table, but that work is what often turns up a better fit for the same coverage.
What is "insurer grading," exactly?
It's Legacy United's own carrier-vetting process, factoring in a company's real-world reputation and claims-handling record alongside its price quote, so the recommendation you get weighs more than just the sticker price.
Ready to see how your current policy compares?
Send Kimberli Pham your current declarations page or just tell her what you're protecting, and she'll grade your options personally.
Get a Quote