Comparing auto insurance rates in Grand Prairie can be a lot of work since selecting the best Grand Prairie auto insurance agent for your needs is more difficult than just using the same insurance agent as your neighbor. For the sake of this article, we’ll assume that not only do you want a professional agent, but you also need the lowest possible price.
With insurance companies like State Farm, Allstate and Farmers Insurance all competing for business in Grand Prairie, it’s hard to tell which provider will provide the best service and rates. Fortunately, you can use online price quotes to build a list of insurance agents and thier coverage prices.
How do I know if I need professional advice?
When buying adequate coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions could help you determine if you may require specific advice.
- Do I pay less if my vehicle is kept in my garage?
- Am I covered when delivering products for my home-based business?
- Is business property covered if stolen from my car?
- When would I need additional glass coverage?
- How can I get high-risk coverage after a DUI?
- Do no-fault laws apply in Texas?
- Do I need rental car coverage?
- What are the best liability limits?
- Am I covered when pulling a rental trailer?
If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent.
Online quotes help locate Grand Prairie agents
Insurance agents can answer important questions and help file insurance claims. The biggest benefit of comparing insurance prices online is you may find better rates but still work with a licensed agent. And supporting small agencies is important particularly in Grand Prairie.
To find an agent, once you fill out this form (opens in new window), your insurance coverage information is submitted to participating agents in Grand Prairie who will compete for your insurance coverage. You won’t need to drive around as quotes are delivered to the email address you provide. Now that’s easy!
The different types of insurance agents
When finding a good insurance agency, there are a couple of types of insurance agents from which to choose. Insurance agencies in Grand Prairie can either be independent (non-captive) or captive. Either one can write coverage properly, but it’s important to know how they are different since it can impact buying decisions.
Independent Agencies or Brokers
Independent agents are not required to write business for one company but instead can place your coverage with any number of different companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally and that require little work on your part.
When searching for an agent, we recommend you include multiple independent agents for maximum quote selection.
Below is a list of independent agents in Grand Prairie who may be able to give you pricing information.
Leonardo H Jackson Insurance – 457 Lake Park Dr – Grand Prairie, TX 75052 – (972) 263-3102
Atlas General Agency – 2080 N Highway 360 # 270 – Grand Prairie, TX 75050 – (972) 975-0003
Western General Insurance – 132 E Main St # 107 – Grand Prairie, TX 75050 – (972) 262-6316
Firemark Insurance Agency – Dfw Office – Grand Prairie, TX 75052 – (972) 647-1222
USA Agency – 2100 N Highway 360 – Grand Prairie, TX 75050 – (972) 623-1688
These agents can only write with one company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They are unable to provide prices from multiple companies so they are skilled at selling on more than just price. Captives are well schooled in insurance sales which helps them sell insurance even at higher premiums.
Listed below is a short list of captive agencies in Grand Prairie willing to provide price quotes.
Farmers Insurance Group – 626 Dalworth St – Grand Prairie, TX 75050 – (972) 264-4457
Allstate Insurance – 3480 S Carrier Pkwy # 155 – Grand Prairie, TX 75052 – (972) 642-0798
State Farm Insurance – 3117 S Carrier Pkwy – Grand Prairie, TX 75052 – (972) 262-2672
For a full directory of auto insurance agents in Grand Prairie, click here to link.
Choosing an auto insurance agent requires more thought than just a low price. Here are some questions to ask:
- Does the agency provide any after hours assistance?
- What are the financial ratings for the companies they represent?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Are you getting all the discounts the company offers?
- What will you get paid if your car is a total loss? How is that amount determined?
After receiving acceptable answers to all your questions and a low price estimate, you may have just found an auto insurance agent that can service your policy.
The online companies are an option
Insurance agencies are important, but you can also find affordable Texas auto insurance directly from online companies. Some companies, such as Farmers Insurance and State Farm, who sell through the agent channel also give you the ability to get a quote and buy online, so that should be considered if you are the do-it-yourself type.
If you’re uneasy about not having an agent to talk to when buying car insurance direct, don’t sweat it. All companies have customer service departments for getting questions answered.
Is pricing better online? That question is hard to answer since there are so many components which can adversely affect your policy premium. It would make sense to think that going direct saves by not paying a commission. For most online online companies, however, advertising budgets are huge and this tends to eat up any savings.
Additional reading for auto insurance information
Additional information can be found on the website for the Texas Department of Insurance through this link. Texas consumers can find out which companies have the most complaints, report car insurance fraud, get help finding coverage, and discover disciplinary actions.
One last thing
As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. In too many instances, an insured dropped comprehensive coverage or liability limits and discovered at claim time they didn’t purchase enough coverage. The proper strategy is to purchase a proper amount of coverage at a price you can afford.
Lower-priced auto insurance can be sourced online as well as from independent agents in Grand Prairie, so compare prices from both to get a complete price analysis. A few companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.