Comparing car insurance companies in The Colony, Texas can be challenging because picking a good Texas auto insurance agent is more difficult than just picking up the phone. We’re assuming you’re looking for a professional agent, but you also need affordable coverage.
With companies like independent agents, Allstate and State Farm having local The Colony offices, it can be hard to know which one will have the best service and rates. Fortunately, consumers can use online quoting to assemble a group of insurance agencies and price estimates.
Comparing rates from local agents
Educated insurance agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of comparing rates online is you may find lower rates and still have an agent to talk to. Buying from local agencies is definitely important in The Colony.
Once you complete this quick form, your insurance data is immediately sent to local insurance agents who will battle for your business. You never need to visit any agencies as quotes are delivered directly to your email. Now that’s easy! You can find better rates and an insurance agent to talk to.
The following is a list of auto insurance agents in The Colony that may be willing to give price quote information.
Gordon & Gordon Insurance – 6805 Main St # 120, The Colony, TX 75056 – (972) 625-3633
Farmers Insurance Group – 3700 Standridge Dr # 202, The Colony, TX 75056 – (972) 625-6099
Thomas Insurance Co – 4805 S Colony Blvd, The Colony, TX 75056 – (972) 624-2100
State Farm Insurance – 3751 Main St # 900, The Colony, TX 75056 – (972) 370-3276
Allstate Insurance – 6700 Main St # 128, The Colony, TX 75056 – (972) 624-0239
Deciding on a car insurance agent should depend on more than just a cheap price. Here are some questions to ask:
- Are they full-time agents?
- How long have they worked with personal auto insurance coverage?
- Do the companies they represent have a solid financial rating?
- Which company do they place the most coverage with?
- How much can you save by raising your physical damage deductibles?
- What is the agency’s Better Business Bureau rating?
Once you have received positive responses and a good coverage price, most likely you have located an insurance agent that meets your needs to adequately provide car insurance.
But what about GEICO, Esurance and Progressive?
Professional insurance agents can be invaluable at times, but Texas car insurance can also be bought direct online. Even companies like State Farm and Allstate who sell through the agent channel also give you the ability to get a quote and buy online, and that is helpful and can also potentially find you lower rates.
If you’re concerned about not getting advice from an agent when buying car insurance direct, that shouldn’t be an issue. Auto insurance companies provide toll-free numbers for getting advice on proper coverages. Additionally, most companies also offer extensive coverage information and 24/7 assistance so you can feel comfortable buying online.
Can buying online lower your premiums? It’s difficult to provide an answer since there may be dozens of rate factors that can increase policy rates. It’s often assumed that shopping direct saves by not paying a commission. For most companies selling online, however, there are very high advertising costs so there may not be significant savings.
For more Texas car insurance information
More information is located on the website for the Texas Department of Insurance located here. Consumers can get help finding coverage, read state legal mandates and laws, and report car insurance fraud.
Cheaper insurance is a realistic goal
Budget-conscious car insurance can be purchased online as well as from independent agents in The Colony, and you need to comparison shop both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.
When shopping online for car insurance, it’s very important that you do not reduce coverage to reduce premium. Too many times, an accident victim reduced liability coverage limits only to discover later that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.