When pricing auto insurance in Grapevine, TX, you have many choices and choosing the right Grapevine auto insurance agent takes more work than just using the same insurance agency as your neighbor. Consumers need a good agent, but also need the lowest rates for auto insurance in Grapevine.
You have multiple insurance agencies to insure vehicles with, and though it is a good thing to be able to choose, so many choices can make it hard to find the best rates.
Price shop online but buy from a local Grapevine agent
Licensed agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of comparing insurance prices online is you can get better rates and still choose a local agent.
After filling out this simple form, your coverage information is instantly submitted to agents in your area who will return price quotes for your business. You never need to leave your computer because quoted prices will be sent to the email address you provide. How’s that for easy! Get lower rates and an insurance agent to talk to.
Choosing an insurance agency shouldn’t rely on just the bottom line cost. These questions are important to ask:
- Are they full-time agents?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- What will you get paid if your car is a total loss? How is that amount determined?
- Does the agency provide any after hours assistance?
- Are they able to influence company decisions when a claim is filed?
- How much will you save each year by using a higher deductible?
Choose the right auto insurance agent
If you’re trying to find an insurance agent, there are two different types of agents to choose from. Insurance agencies in Grapevine are classified as either captive or independent.
Captive Agents
Captive agents are contracted to one company such as State Farm or Allstate. They are unable to provide prices from multiple companies so it’s a take it or leave it situation. Captive agents are usually quite knowledgeable on the products they sell which can be an advantage. Consumers often buy insurance from these agents mostly because of the prominence of the brand and solid financial strength.
Below are Grapevine captive insurance agents that can give you comparison quotes.
- Farmers Insurance Group – 967 W Wall St # 110 – Grapevine, TX 76051 – (817) 424-0004
- Allstate Insurance – 1340 S Main St # 200 – Grapevine, TX 76051 – (817) 481-2579
Independent Insurance Agents
These agents are not required to write business for one company but rather can write business with lots of companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency. When shopping rates, we recommend you get quotes from at least one independent agent to ensure the widest selection of prices. Many write coverage with different regional companies which can be an advantage.
Shown below is a short list of independent insurance agencies in Grapevine willing to provide rate quotes.
- Mid Cities Insurance – 611 S Main St – Grapevine, TX 76051 – (817) 410-5615
- Brandes Agency – 1340 S Main St # 195 – Grapevine, TX 76051 – (817) 481-1027
- Thompson Insurance – 2200 W State Highway 114 # 300 – Grapevine, TX 76051 – (817) 410-3888
For a complete listing of auto insurance agents in Grapevine, visit this site.
Upon receiving acceptable answers to your questions and an affordable coverage quote, you may have just found an insurance agent that will provide auto insurance coverage.
But what about GEICO and Esurance?
Licensed agents are indespensible for some people, but you also have the option of buying direct online. A few companies like State Farm and Allstate who have local Grapevine agents also allow consumers to buy direct on their websites, and consumers should do that as an alternative to contacting agents.
If you’re anxious about choosing your own coverages when shopping online, this is a normal reaction for first-time shoppers. Online car insurance companies that require consumers to choose their own coverages all have client service departments for getting the best coverage. Consumers also can use extensive coverage information and 24/7 assistance to clarify any questions you may have.
Are online premiums lower? The answer is complex since there are many things which can raise or lower premium rates. Some people think that buying direct cuts out the agent as a middleman. But the fact is, it’s expensive to advertise so this can offset any savings.
In conclusion
Budget-conscious auto insurance is attainable both online in addition to many Grapevine insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.
As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced uninsured motorist or liability limits only to discover later that they should have had better coverage. Your goal should be to find the BEST coverage for the lowest price while not skimping on critical coverages.
To learn more about auto insurance in Texas
Even more information is located at the Texas Department of Insurance website. Visitors are able to learn about insurance regulations, file complaints about an insurance agent or broker, and view agent and company licensing information.