When finding a good Lake Dallas agent, it’s recommended you start your research using online quotes instead of making phone calls. For the sake of this article, we’ll assume you want a decent agent, but you also want great rates as well.
With companies like State Farm, Allstate and many independent agents having local Lake Dallas offices, it’s difficult to determine which car insurance agent will have the best rates, service and coverage. To begin, you can use online quoting to get a list of insurance agencies from which to choose.
Online quotes with a local Lake Dallas insurance agent
Good agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of price shopping on the web is the fact that you can find the lowest rates but also keep your business local. Buying from local agencies is especially important in Lake Dallas.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is instantly submitted to local insurance agents who will return price quotes for your insurance coverage. You don’t have to leave your computer due to the fact that quote results will go directly to your email. It doesn’t get any easier!
Two different types of insurance agents
When looking for local Lake Dallas agents, there are a couple of different agency structures to choose from. Insurance agencies in Lake Dallas are either captive or independent. Both write coverage properly, but it’s worth learning how they differ since it can impact your selection of an agent.
Independent Agencies or Brokers
Independent agencies are not locked into one company but instead can place your coverage with multiple insurance companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part. When shopping rates, we recommend you get quotes from at a minimum one independent agency for maximum quote selection.
Listed below are Lake Dallas independent agencies who may be able to give you rate quotes.
Phil Duncan Agency – 2002 S Stemmons Fwy – Lake Dallas, TX 75065 – (940) 321-7203
KIRK Insurance – – Lake Dallas, TX 75065 – (940) 321-4561
Leigh Johnson Insurance – 5512 Castle Ct – Lake Dallas, TX 75065 – (940) 497-6622
Captive Insurance Agents
Captive insurance agents can only write with one company such as Allstate, Farmers Insurance or State Farm. They generally cannot give you multiple price quotes so keep that in mind. Captive agencies receive extensive training in insurance sales which helps them compete with independent agents.
Listed below is a short list of captive insurance agents in Lake Dallas willing to provide price quotes.
State Farm Insurance – 4251 Fm 2181 – Lake Dallas, TX 75065 – (940) 497-9031
For a complete listing of captive agents in Lake Dallas, visit this link.
Picking an insurance agency requires more thought than just the price. Any agent should be forthright in answering these questions:
- Are they properly licensed to sell insurance in Texas?
- Are you getting all the discounts the company offers?
- What insurance companies do they work with?
- Is working in the agency their full-time job?
- Do they review policy coverages at every renewal?
- How many years of experience in personal lines insurance coverages do they have?
Once you have received positive responses to any questions you have and a low price estimate, you may have just found an insurance agent that will insure your vehicles.
But what about GEICO, Esurance and Progressive?
Local insurance agents are a valuable resource, but you also have the option of buying direct from companies that only sell online. Some car insurance companies like Allstate and State Farm that are more known for using agents, also give you the option to quote and buy online, and consumers should do that if you want to do it yourself.
If you’re anxious about not getting advice from an agent when buying car insurance direct, that is quite common when buying online the first time. Car insurance companies provide options for customer questions.
Is online auto insurance cheaper? It’s hard to say exactly since there are so many components that influence your rates. It would make sense to think that shopping online for auto insurance saves money because there is no agent involvement. In many cases, there are high advertising and marketing costs and this tends to eat up any savings.
More quotes mean more savings
When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. There are a lot of situations where drivers have reduced collision coverage to discover at claim time they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.
Budget-conscious car insurance can be sourced from both online companies as well as from independent agents in Lake Dallas, so you should be comparing quotes from both to get a complete price analysis. Some car insurance companies don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
Consumer car insurance information in Texas
Additional car insurance information is available on the website for the Texas Department of Insurance found here. Visitors are able to find out which companies have the most complaints, report car insurance fraud, read state legal mandates and laws, and find a variety of consumer forms.
Also read more on this link for Texas coverage information and this page for help finding agents in Lake Dallas, TX.