How to Find an Insurance Agent in Denton

If you’re looking for a licensed insurance agent in Denton, you can start your search using online quotes instead of calling around. Consumers require a good professional insurance agent, and also want to find the lowest rates for auto insurance in Denton.

Consumers have many insurance agencies to insure vehicles with, and even though it’s nice to have a choice, having more insurance agents makes it harder to find the lowest rates.

Neighborhood insurance agents

Insurance agents can point out coverage gaps and give you peace of mind. One of the great benefits of comparing insurance prices online is you can get the best rates but still work with a licensed agent.

To make it easy to find an agent, after completing this simple form, your insurance data is transmitted to local insurance agents in Denton who will battle for your business. You don’t have to even leave your home as quotes are delivered immediately to your email address. How cool is that?!

Deciding on an auto insurance agent should depend on more than just the bottom line cost. These questions are important to ask:

  • Does the agency provide any after hours assistance?
  • If your car is totalled, how to they determine the replacement cost?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Are there any discounts that you might be missing?
  • Do they feel the quoted coverages are adequate?
  • Are they properly licensed to sell insurance in Texas?
  • Is working in the agency their full-time job?
  • Do they receive special compensation for putting your coverage with one company over another?

The different types of insurance agents

When researching local Denton agents, you need to know there are two different agency structures from which to choose. Agents are categorized either independent or captive. Both types can properly insure your vehicles, but it’s worth learning the differences since it may influence your selection of an agent.

Captive Agents

This type of agents are contracted to one company and some examples include AAA, Allstate and State Farm. These agents are not able to place coverage with different providers so they have to upsell other benefits. Captives are well schooled on the products they sell and that can be a competitive advantage.

The following is a list of captive insurance agencies in Denton that can give you price quotes.

Farmers Insurance Group – 116 Eagle Dr # C – Denton, TX 76201 – (940) 382-0671
State Farm Insurance – 4851 S Interstate 35 E # 103 – Denton, TX 76210 – (940) 498-0370
Allstate Insurance – 301 Dallas Dr # A – Denton, TX 76205 – (940) 565-8100
Farm Bureau Insurance – 3201 E University Dr – Denton, TX 76208 – (972) 434-7340

Independent Agents

Independent insurance agents are not required to write business for one company so they have the ability to put coverage with lots of companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally without you having to go to a different agency.

When comparing rates, you should always include price quotes from several independent insurance agents for the best price selection.

Shown below is a short list of independent insurance agencies in Denton that are able to give comparison quotes.

Tim Shoopman Agency – 1004 N Locust St – Denton, TX 76201 – (940) 383-2614
Texas Best Insurance – 1776 Teasley Ln # 106 – Denton, TX 76205 – (940) 387-8281
Wade Hunt Agency – 3507 Teasley Ln – Denton, TX 76210 – (940) 591-8581
Metroplex Agency Insurors – 900 S Interstate 35 E – Denton, TX 76205 – (940) 387-8575
Jerry Lewin Insurance – 318 E Oak St # C – Denton, TX 76201 – (940) 387-8884

For a full directory of insurance agents in Denton, visit this link.

After receiving satisfactory answers for all questions you ask and a good coverage price, it’s possible that you found an insurance agency that is a good match to insure your vehicles.

When might I need the advice of an agent?

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.

  • Does my vehicle need full coverage?
  • Is business equipment covered while in my vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered when driving someone else’s vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • What are Texas no-fault laws?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When does my teenage driver need to be added to my policy?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent.

Can you find lower rates by buying online?

Insurance agents are important to many people, but you also have the option of buying directly from online companies. Some car insurance companies like State Farm and Allstate who have local Denton agents also allow you to buy direct on their websites, so that should be considered to possibly find a better rate.

If you’re anxious about not getting advice from an agent when buying online, don’t sweat it. Auto insurance companies provide access to licensed agents to answer any questions you may have. Consumers also can use live help and an extensive research center that you can use if you have questions.

Is it cheaper to buy car insurance online? Many people think so, but it’s hard to say for sure since there are many things that determine your policy premium. It would make sense to think that purchasing direct online cuts out the agent as a middleman. But in most cases, advertising and marketing take a lot of money and that impacts the rates consumers pay.

Compare but don’t skimp

Lower-priced auto insurance is possible on the web in addition to many Denton insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not provide online price quotes and most of the time these small, regional companies sell through independent agents.

Denton insurance agencies

While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. There have been many situations where consumers will sacrifice liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Some additional reading

More detailed Texas auto insurance information is located at the Texas Department of Insurance website. Visitors are able to file complaints about an insurance agent or broker, get help finding coverage, read consumer alerts, and view agent and company licensing information.

Other useful links include this site for auto insurance rates in Texas and this list of insurance agents in Denton, TX.