Basics to Finding a Car Insurance Agent in Plano

To find a good Plano agent, you can always start your search by comparing rates online to save yourself time. Consumers require a good professional insurance agent, and also want to find the best possible rates.

Numerous insurance agents battle for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest cost out there.

Local Plano car insurance agents

Professional agents can answer important questions and help in the event of a claim. One of the great benefits of getting online price quotes is the fact that you can find the best rates and still have an agent to talk to.

After filling out this quick form, your information is immediately sent to local insurance agents in Plano who will battle for your business. You never need to even leave your home due to the fact that quote results will go straight to your inbox. Now that’s easy!

Deciding on an insurance agent should depend on more than just a low price. Agents should be asked these questions:

  • How often do they review policy coverages?
  • Are claims handled at the agent’s location?
  • Is their price quote a firm figure or are their hidden costs?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Who is covered by the car insurance policy?

Multiple types of insurance agencies in Plano

When researching a local agent, there are a couple of types of agencies that differ in how they can insure your vehicles. Insurance agencies in Plano can either be captive or independent. While both can do a good job, but it’s worth learning the differences because it can impact your agent selection.

Captive Insurance Agents

These agents write business for a single company and examples are Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to compare other company’s rates so always compare other rates. Captive agencies receive extensive training on their products and sales techniques and that can be a competitive advantage. Consumers sometimes purchase coverage from captives mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.

The following is a short list of captive agencies in Plano that are able to give comparison quotes.

  • Liberty Mutual Insurance – 3516 Preston Rd # 800 – Plano, TX 75093 – (972) 867-3499
  • Allstate Insurance – 2305 Coit Rd # E – Plano, TX 75075 – (972) 867-4222
  • Farm Bureau Insurance – 3209 Premier Dr # 130 – Plano, TX 75075 – (972) 881-0044
  • State Farm Insurance – 700 Alma Dr # 107 – Plano, TX 75075 – (972) 423-8888
  • Farmers Insurance Group – 7120 Coit Rd # 118 – Plano, TX 75025 – (972) 618-2020
Independent Agents (or Brokers)

Independent agencies are not required to write business for one company but rather can write business amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When searching for an agent, we recommend you include multiple independent agents to ensure the widest selection of prices.Most can insure with different regional companies which may provide better rates.

Listed below are independent agents in Plano willing to provide comparison quotes.

  • Don Johansson Insurance Agency – 2805 Dallas Pkwy – Plano, TX 75093 – (469) 467-7144
  • Blackmon Agency – 3611 14th St # 105 – Plano, TX 75074 – (972) 423-8021
  • Legacy First Insurance – 1651 W University – Plano, TX 75074 – (972) 461-4771
  • Haskins Agency – 8829 Clear Sky Dr – Plano, TX 75025 – (972) 747-0458
  • Don Johansson Insurance Agency – 2805 Dallas Pkwy – Plano, TX 75093 – (469) 467-7144

For a complete listing of car insurance agents in Plano, visit this site.

After getting satisfactory answers to any questions you have and an affordable coverage quote, you have narrowed it down to an auto insurance agent that can properly insure your vehicles.

Consider all the options when buying car insurance

Professional insurance agents are indespensible for some people, but Texas car insurance can also be bought direct over the internet. Some car insurance companies who have local agents in Plano also give you the ability to quote and buy online, so keep that in mind and can also potentially find you lower rates.

If you’re uncomfortable with choosing your own coverages when buying car insurance direct, don’t be too concerned. All companies provide access to licensed agents to answer your questions.

Are car insurance rates lower online? That question is hard to answer since there are so many factors which can adversely affect your policy premium. Many people think that a shopper who purchases direct lowers rates due to not having any agent compensation. In many cases, marketing expenses are significant so this can offset any savings.

Cheaper insurance is a realistic goal

Affordable car insurance can be purchased online and with local Plano insurance agents, and you should be comparing both to get a complete price analysis. Some insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

Drivers switch companies for a number of reasons such as policy non-renewal, being labeled a high risk driver, not issuing a premium refund or delays in responding to claim requests. It doesn’t matter what your reason, switching companies is not as hard as you think.

Locate Texas insurance agents

Additional reading for car insurance information

Even more information is located at the Texas Department of Insurance website. Consumers can find disaster information, download brochures, and view agent and company licensing information.