Tired of robbing Peter to pay Paul to buy car insurance? You’re in the same situation as many other drivers in Texas. Having so many choices of insurance companies, it is hard for the average consumer to find the lowest price car insurance company.
Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of quoting, but a few must be manually applied in order for you to get them. If you aren’t receiving every discount available, you are throwing money away.
As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will reduce your overall premium however.
To see a list of companies with the best car insurance discounts in Garland, follow this link.
An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for car insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that will entitle you to lower car insurance prices.
Listed below are some of the factors used by your company to calculate prices.
Some consumers would rather visit with an insurance agent and that is OK! Insurance agents are trained to spot inefficiencies and help you file claims. The best thing about getting online price quotes is the fact that you can find the lowest rates but also keep your business local. And providing support for local businesses is important particularly in Garland.
Upon completion of this simple form, your coverage information is submitted to local insurance agents who will compete for your coverage. You don’t have to leave your computer due to the fact that quote results will go straight to your inbox. It doesn’t get any easier!
If you’re trying to find local Garland agents, there are a couple of types of agencies to choose from. Insurance agencies in Garland are classified as either independent or captive. Both write coverage properly, but it’s good to learn how they differ since it can impact your agent selection.
Independent agencies are not employed by any specific company so they can insure your vehicles amongst many companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent.
When searching for an agent, we recommend you get quotes from at least one independent agent for maximum quote selection.
Below are independent agents in Garland that are able to give rate quotes.
Sherry Hobbs Agency – 1925 Westcreek Dr – Garland, TX 75042 – (972) 470-9870
Ashley Insurance – 345 W Centerville Rd – Garland, TX 75041 – (972) 271-3042
Tomlinson Agency – 346 Oaks Trl # 209 – Garland, TX 75043 – (972) 203-9368
John Wallace Agency – 3933 Amy Ave – Garland, TX 75043 – (972) 240-8904
Danback Insurance – 2940 Broadway Blvd – Garland, TX 75041 – (972) 926-4343
This type of agents write business for a single company and examples are Allstate, State Farm and Farmers Insurance. They are unable to give you multiple price quotes so they have to upsell other benefits. Captive agents are well schooled on the products they sell and that can be a competitive advantage.
Shown below are Garland captive insurance agents willing to provide price quote information.
State Farm Insurance – 1225 Belt Line Rd # 1 – Garland, TX 75040 – (972) 495-3636
Farmers Insurance Group – 3502 Metairie Ct – Garland, TX 75040 – (972) 671-2933
Allstate Insurance – 1750 Northwest Hwy # 240 – Garland, TX 75041 – (972) 686-4450
For a full directory of captive insurance agents in Garland, view this link.
Selecting an auto insurance agent needs to be determined by more than just a cheap price. Some important questions to ask are:
Upon receiving good answers to all your questions and an affordable coverage quote, chances are good that you have found an insurance agent that can insure your vehicles.
Additional car insurance information is located on the website for the Texas Department of Insurance through this link. Texas consumers can find disaster information, read enforcement actions against agents and companies, and read consumer alerts.
More related Garland car insurance information:
The cheapest car insurance can be found online and also from your neighborhood Garland agents, so you should be comparing quotes from both to have the best selection. Some insurance providers may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.
In this article, we covered many tips how you can shop for car insurance online. It’s most important to understand that the more rate comparisons you have, the better chance you’ll have of finding lower rates. Consumers may even find the best price on car insurance is with a small mutual company. These companies often have lower prices on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.
When trying to cut insurance costs, you should never reduce needed coverages to save money. In many instances, an insured cut collision coverage only to find out they didn’t purchase enough coverage. Your focus should be to buy enough coverage at the best price, not the least amount of coverage.