When pricing auto insurance in Carrollton, Texas, there are a lot of options and picking a good Texas car insurance agent takes more work than just driving to the closest agent’s office. We’re guessing you’re wanting a friendly agent, but you also want great rates as well.
With companies like State Farm, Allstate and many independent agents all competing for your business, it’s hard to tell which one will have the lowest rates and best service. To help decide, consumers can use online quoting to get a list of agents and price estimates.
Why do I need an agent?
Educated insurance agents can help determine the best coverages and help submit paperwork. One of the best bonuses of price shopping on the web is you may find lower rates but still work with a licensed agent. Buying from local insurance agencies is important especially in Carrollton.
To find an agent, once you fill out this form (opens in new window), your insurance data gets sent to agents in your area who will return price quotes for your coverage. You don’t have to leave your computer since price quotes are sent to your email. How cool is that?! You can find better rates AND an agent nearby.
Two different types of insurance agents
When researching local Carrollton agents, there are a couple of types of agencies that you can select. Agencies in Carrollton are categorized either independent or captive.
Independent Agents
These agents are not employed by any specific company but instead can place your coverage with multiple insurance companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent.
When comparing rates, we recommend you contact multiple independent agents to ensure the widest selection of prices.
Below is a short list of independent agencies in Carrollton that can give you pricing information.
Texas Mutual Insurance Co – 2917 Sunset Point Ln – Carrollton, TX 75007 – (972) 245-7090
Direct General Ins Agency – 1910 E Trinity Mills Rd # 102 – Carrollton, TX 75006 – (214) 483-3475
Segler-Smith Agency – 2340 E Trinity Mills Rd # 110 – Carrollton, TX 75006 – (972) 416-1149
Hendrickson Insurance Svc – 1039 N Interstate 35 – Carrollton, TX 75006 – (972) 245-2801
Caballero Insurance Agency – 1925 E Belt Line Rd # 209 – Carrollton, TX 75006 – (214) 390-8066
Captive Insurance Agents
These agents can only write with one company and some examples include American Family, Liberty Mutual and AAA. These agents are unable to place coverage with different providers so they are skilled at selling on more than just price. Captive agents are very knowledgeable on the products they sell which can be an advantage.
The following are captive agents in Carrollton that can give you comparison quotes.
Liberty Mutual Insurance – 4125 Fairway Dr # 132 – Carrollton, TX 75010 – (972) 242-2255
Farmers Insurance Group – 2550 E Trinity Mills Rd # 130 – Carrollton, TX 75006 – (972) 478-2705
Allstate Insurance – 1440 Halsey Way – Carrollton, TX 75007 – (972) 323-1386
State Farm Insurance – 2540 Old Denton Rd # 311 – Carrollton, TX 75006 – (972) 466-2005
To view a full list of auto insurance agents in Carrollton, visit this link.
Deciding on a car insurance agent should depend on more than just the premium amount. Ask your prospective agent these questions:
- If you have an accident, will your rates go up?
- How are claims handled?
- Do the companies they represent have a solid financial rating?
- How often do they review policy coverages?
- Is the agent and/or agency licensed to do business in Texas?
- Do they receive special compensation for putting your coverage with one company over another?
- How much can you save by raising your physical damage deductibles?
- Does the agency support the community they serve?
After receiving positive feedback to your questions and locked in a price quote, you have narrowed it down to a car insurance agent that will service your policy.
Online companies appeal to some consumers
Professional insurance agents can be invaluable at times, but Texas consumers also have the option to buy from companies direct over the internet. Some car insurance companies who sell through agents in Carrollton also allow consumers to get quotes and purchase online, so that should be considered.
If you’re anxious about not having professional advice, that is normal but is not a big issue. Companies provide options for getting advice on proper coverages.
Does coverage cost less online? Many people swear by it, but it’s difficult to answer because of the fact that insurance companies use many factors that impact your final bill. It’s logical to say that a consumer who buys direct saves the cost of an agent commission. But the fact is, promoting brand recognition is pricey and that can quickly cost more than paying an agent.
Final considerations
People leave their current company for a number of reasons such as policy non-renewal, denial of a claim, being labeled a high risk driver or even unfair underwriting practices. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.
Cheap auto insurance is possible from both online companies and also from your neighborhood Carrollton agents, and you need to comparison shop both to get a complete price analysis. Some companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.
More information is available on the website for the Texas Department of Insurance found here. Texas consumers can file complaints about an insurance agent or broker, find out which companies have the most complaints, and read enforcement actions against agents and companies.
Also read more on BankRate.com’s Car Insurance: When not to Skimp and this resource to find Carrollton, TX insurance agents.
