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Offering Auto, Home, and now Life Insurance!

Velez Insurance Agency is dedicated to helping families and businesses find the best coverage at the most affordable rates.

Walk-ins welcome at 263 East Main St in Clute, TX.

Affordable Auto, Home & Life Insurance in Clute & Brazoria County

We specialize in:

-Auto, Home, Commercial, and Life Insurance
-Mexico & SR22 Coverage
- Personalized Service with Competitive Rates

📩 Get a free quote today!

🔍 Are You Overpaying for Insurance? Let Us Review Your Policy for Free!

At Velez Insurance, we make it easy to see if you’re getting the best coverage at the best price. With a quick policy review, we can help you:

✅ Identify potential savings 💰
✅ Spot gaps in your coverage 🔍
✅ Make sure you’re fully protected ⚡

We combine cutting-edge AI technology with 25+ years of industry expertise to analyze your policy and provide honest, personalized recommendations.

💡 No pressure. No gimmicks. Just a smarter way to save.

📩 Feel confident knowing you’re paying the best price!

🔹 How It Works:
1️⃣ Upload your current policy (declaration page).
2️⃣ Our specially-trained AI scans for savings & coverage improvements.
3️⃣ An experienced insurance professional personally reviews it.
4️⃣ You get a clear breakdown within 1-2 business days.

Our Google Reviews:

“I used to have insurance with Farmers until I went to Velez Insurance and I found out the rates were super good and now I have been here for over 5 years. The best in Brazoria County” - Victoria C. (Angleton, TX) ⭐️⭐️⭐️⭐️⭐️

“I used to have insurance with Farmers until I went to Velez Insurance and I found out the rates were super good and now I have been here for over 5 years. The best in Brazoria County” - Victoria C. (Angleton, TX) ⭐️⭐️⭐️⭐️⭐️

"Family Oriented and Friendly. Always Refers the Best Options Possible." - Charyl S. (Lake Jackson, TX) ⭐️⭐️⭐️⭐️⭐️

"Family Oriented and Friendly. Always Refers the Best Options Possible." - Charyl S. (Lake Jackson, TX) ⭐️⭐️⭐️⭐️⭐️

“She gave me a fair and honest price for my car insurance. She was also kind enough to Suggest a competitor for my rental insurance needs because their rates were cheaper than hers currently are.” - Maryanne T. (Clute, TX) ⭐️⭐️⭐️⭐️⭐️

“She gave me a fair and honest price for my car insurance. She was also kind enough to Suggest a competitor for my rental insurance needs because their rates were cheaper than hers currently are.” - Maryanne T. (Clute, TX) ⭐️⭐️⭐️⭐️⭐️

Frequently Asked Questions

  • In Texas, the state minimum is 30/60/25:

    • $30,000 for injuries per person

    • $60,000 total per accident

    • $25,000 for property damage
      But that’s just the legal minimum. Most drivers need higher liability plus comprehensive and collision coverage to truly protect themselves. We help you choose the right amount of coverage for your vehicle and budget.

  • Your driving record, vehicle type, ZIP code, age, credit score, and coverage limits all impact your premium. At Velez Insurance, we shop multiple companies to make sure you’re not overpaying for car insurance in Brazoria County.

  • Homeowners insurance isn’t required by law, but if you have a mortgage, your lender will require it. Even if you own your home outright, it's essential for covering fire, theft, storms, and liability. We help homeowners in Lake Jackson, Clute, and surrounding areas find affordable protection that fits their home.

  • Liability insurance only pays for damage or injuries you cause to other people and their vehicles in an accident. It does not cover your own vehicle.

    Full coverage typically includes:

    • Liability coverage (for others)

    • Collision coverage (for your vehicle if you hit something)

    • Comprehensive coverage (for your vehicle in case of theft, hail, flood, fire, or vandalism)

    So full coverage protects both you and the other driver. If you’re financing or leasing your car, most lenders require it. We can give you quotes for both and help you decide what’s best.

  • Term life covers you for a set number of years (like 10 or 20), while whole life lasts forever and builds cash value. Term is cheaper; whole life adds long-term value. We’ll help you choose what fits best based on your budget and your family’s future.

  • Final expense insurance is a small whole life policy designed to cover funeral costs, burial, or small debts. Coverage is usually between $5,000–$25,000 (but can be higher!) and doesn’t require a medical exam for most people. We work with top final expense companies like Mutual of Omaha, Aetna, Gerber, and more!

  • Yes. Life insurance is cheapest when you’re young. Locking in a policy now guarantees your family is protected, and you save money long term. Even a small $20–$30/month policy can make a huge difference later.

  • Yes. We specialize in high-risk and hard-to-insure clients. Whether you’ve been declined before or have health conditions, we can often find a guaranteed issue policy that fits. Don’t give up! We’ll do the hard work for you.