Tips for Researching an Allen Insurance Agent

Comparing car insurance companies in Allen, TX can be challenging because picking a good Texas insurance agency is not as easy as just driving to the closest agent’s office. You require a competent insurance agent, and also want to find the best price on car insurance.

Companies like State Farm, GEICO and Farmers Insurance all promote huge savings with TV and radio ads and consumers find it hard to ignore the flashy ads and find the best price available.

Compare Allen agent rates online

Licensed agents can point out coverage gaps and give you peace of mind. The biggest benefit of price shopping on the web is that you can obtain the lowest rates but also keep your business local.

To make it easy to find an agent, after completing this short form, the coverage information is instantly submitted to agents in your area who will return price quotes for your insurance coverage. You never need to drive around due to the fact that quote results will go directly to your email. How cool is that?!

Choosing a car insurance agent shouldn’t rely on just a low price. These questions are important to ask:

  • What insurance companies do they recommend if they are an independent agent?
  • Can glass repairs be made at your home?
  • Are there any discounts that you might be missing?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Does the company allow you to choose your own collision repair facility?
  • Which company do they place the most coverage with?

Choose the right insurance agent

When finding a reputable insurance agent or broker, there are a couple of different agency structures that differ in how they can insure your vehicles. Agencies in Allen are either independent or captive. While both can write coverage properly, but it’s worth mentioning how they are different because it can impact buying decisions.

Captive Insurance Agents

Captive agencies are contracted to one company like Allstate, AAA, Liberty Mutual and State Farm. They generally cannot provide prices from multiple companies so they have to upsell other benefits. They are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents.

Below are Allen captive agencies willing to provide price quote information.

Farmers Insurance Group – 302 Droinwich Cir – Allen, TX 75002 – (972) 727-4935
Allstate Insurance – 2023 W Mcdermott Dr # 130 – Allen, TX 75013 – (972) 359-8331
Betty Cole State Farm – 1546 Stacy Rd – Allen, TX 75002 – (972) 954-8034

Independent Agents

Independent agencies are not employed by any specific company so they can insure your vehicles amongst many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, an independent agent can move your coverage and you don’t have to find a new agent.

When searching for an agent, it’s a good idea to contact at a minimum one independent agency to get the best comparison.

Below is a short list of independent agencies in Allen that can give you price quotes.

Hanover Insurance Co – 606 Twin Creeks Dr – Allen, TX 75013 – (214) 747-9421
Carl R Gilliland Insurance – 200 W Boyd Dr # A – Allen, TX 75013 – (972) 727-5766
Mark Braly Agency – 547 W Mcdermott Dr – Allen, TX 75013 – (972) 359-9324
Wiggins Agency – 720 E Main St # D1 – Allen, TX 75002 – (972) 727-9557
Terrell and Terrell Agency – 809 Ridgemont Dr – Allen, TX 75002 – (972) 727-4990

For a complete listing of Allen insurance agents, please go to this site.

After getting good answers to all your questions and an acceptable price quote, you’ve probably found an auto insurance agent that will insure your vehicles.

Include online companies when price shopping

Insurance agents can be invaluable at times, but you can also buy Texas car insurance direct from companies that only sell online. A few companies, such as Farmers Insurance and State Farm, who have local Allen agents also allow you to buy direct online, and that is helpful if you’re trying to lower your rates.

If you’re uneasy about not receiving proper advice, this is expected but don’t let that bother you. Online car insurance companies provide access to licensed agents to walk you through the process. Many online companies also provide 24/7 live help and a car insurance FAQ section to clarify any questions you may have.

Will buying online save you money? That is a tough question to answer because there are many factors which can raise or lower premium rates. Many people think that going direct reduces premiums because there is no agent. In many cases, advertising and marketing take a lot of money and this tends to eat up any savings.

Even more information can be read at the Texas Department of Insurance website. Consumers can find disaster information, get help finding coverage, view agent and company licensing information, and read enforcement actions against agents and companies.

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Buy online or local, you save

Low-cost car insurance can be found on the web and also from your neighborhood Allen agents, and you need to comparison shop both to have the best selection. Some insurance providers may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

When buying insurance coverage, you should never buy poor coverage just to save money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at the best price.