Consumers Guide to Finding a Frisco Texas Car Insurance Agent

Selecting a car insurance company in Frisco, TX can be time consuming since there are a lot of options and finding the best Texas car insurance agent is more difficult than just driving to the closest agent’s office. Consumers require a decent agent, and also want to find competitive car insurance rates.

Big-name insurance companies like Allstate and Progressive increase brand awareness with catchy ads and consumers find it hard to ignore the propoganda and effectively compare rates to find the best deal.

Quote online but work with a neighborhood agent

Professional agents are trained to spot inefficiencies and help you file claims. The best thing about comparing rates online is the fact that you can find the lowest rates and still choose a local agent.

Upon completion of this form (opens in new window), the quote information gets sent to companies in Frisco who will compete to get your business. There is no need to leave your house as quotes are delivered directly to your email. It doesn’t get any easier! Get lower rates and an insurance agent to talk to.

Selecting an insurance agent requires more thought than just a cheap price. These are valid questions to ask:

  • Are claims handled at the agent’s location?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Which insurance companies are they affiliated with?
  • If you have an accident, will your rates go up?
  • How long has their agency been in business in Frisco?
  • Which members of your family are coverage by the policy?

The different types of insurance agents

If you’re trying to find an insurance agent, there are a couple of types of agencies from which to choose. Insurance agencies in Frisco are either captive or independent.

Agency Captives

Captive insurance agents can only place business with one company and some examples include Allstate, AAA, Liberty Mutual and State Farm. Captives cannot give you multiple price quotes so it’s a take it or leave it situation. Captives are trained well in insurance sales which helps them compete with independent agents. Consumers frequently buy insurance from these agents primarily because of the brand legacy and the convenience of having a single billing for all their coverages.

The following are Frisco captive insurance agents who can help you get rate quotes.

  • Allstate Insurance – 6817 W Main St – Frisco, TX 75034 – (972) 335-1801
  • Farmers Insurance Group – 7011 Pecan St – Frisco, TX 75034 – (972) 377-0924
  • State Farm – 8000 Coit Rd – Frisco, TX 75035 – (972) 731-0350
Independent Agencies or Brokers

These agents do not work for one specific company but rather can write business with multiple insurance companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier and that require little work on your part. When comparison shopping, it’s a good idea to include at least one independent agent for the best price selection. Most have the option of insuring with smaller regional carriers which can be an advantage.

Listed below are Frisco independent agencies that can give you rate quotes.

  • Ward Agency – 9741 Preston Rd # 304 – Frisco, TX 75034 – (972) 377-7999
  • Merit Insurance Svc Inc – 2601 Network Blvd – Frisco, TX 75034 – (214) 618-5101
  • GE Mortgage Insurance – 2611 Internet Blvd # 100 – Frisco, TX 75034 – (972) 334-1486
  • Grimes Agency – 3550 Parkwood Blvd # 102 – Frisco, TX 75034 – (214) 618-4380
  • Collum Agency – 4944 Preston Rd – Frisco, TX 75034 – (972) 712-1775

For a full directory of insurance agents in Frisco, visit this site.

Once you have received acceptable answers to all your questions in addition to an acceptable price estimate, most likely you have located an insurance agent that can provide car insurance coverage.

Can you buy online and save?

Local insurance agents serve a purpose, but Texas consumers also have the option to buy direct from companies that only sell online. Certain auto insurance companies like State Farm and Allstate who have local agents in Frisco also allow consumers to quote and buy online, so this should also be taken into consideration if you’re trying to lower your rates.

If you’re worried about not having professional advice when buying car insurance direct, don’t sweat it. Auto insurance companies that require consumers to choose their own coverages provide customer service for answering any questions you have.

Will buying online save you money? A lot of shoppers won’t buy anywhere else, but it’s impossible to say due to the fact that there are multiple individual factors that impact your final bill. It’s a logical assumption that purchasing direct online cuts out the agent as a middleman. For the majority of companies, however, promoting brand recognition is pricey so there may not be significant savings.

Learn more today

More detailed Texas car insurance information is available at the Texas Department of Insurance website. Texas consumers can discover disciplinary actions, find out industry alerts, and find out which companies have the most complaints.

Better coverage you can count on

Insureds switch companies for any number of reasons including denial of a claim, an unsatisfactory settlement offer, being labeled a high risk driver or poor customer service. Regardless of your reason, switching companies can be less work than you think.

Frisco Texas agents

The cheapest car insurance can be purchased on the web as well as from independent agents in Frisco, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.