If you’re looking to buy car insurance, you have many choices and choosing the right Prosper auto insurance agent takes more work than just using the same insurance agency as your neighbor. You require a friendly agent, but also the cheapest rates you can possibly find.
Because you have many online and local companies to choose from, it’s difficult to choose the most affordable insurer.
Comparing prices from Prosper agents
Professional agents can point out coverage gaps and help submit paperwork. The biggest benefit of comparing rates online is that you can obtain the lowest rates and still choose a local agent.
Upon completion of this short form, your information gets sent to local insurance agents who will return price quotes for your business. You don’t have to visit any agencies since price quotes are sent straight to your inbox. Now that’s easy! You can find the lowest rates AND a local agent.
Deciding on an insurance agency requires more thought than just the premium amount. Ask your prospective agent these questions:
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How are they compensated?
- Do they review policy coverages at every renewal?
- Can glass repairs be made at your home?
- If you have an accident, will your rates go up?
- What insurance companies do they work with?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How much can you save by raising your physical damage deductibles?
Pick the best insurance agent in Prosper for you
When looking for a good Prosper insurance agent, there are two different agency structures that you can select. Prosper agents are categorized either captive or independent (non-captive).
Captive Insurance Agents
Captive insurance agents have only one company to place business with and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are not able to provide prices from multiple companies so they have to upsell other benefits. These agents receive extensive training on their company’s products and that can be a competitive advantage.
The following are Prosper captive insurance agencies that are able to give price quote information.
Allstate Insurance – 236 W Pecan St – Prosper, TX 75078 – (972) 382-4803
Independent Agents
Independent agents are not locked into one company so they have the ability to put coverage with many different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, your agent can switch companies and you don’t have to find a new agent. When comparison shopping, it’s a good idea to include price quotes from several independent insurance agents to have the most options to choose from.
The following are independent insurance agents in Prosper who can help you get comparison quotes.
Bank Insurance Inc – 805 E 1st St – Prosper, TX 75078 – (972) 346-3363
Terry Edmondson Insurance – 114 W Broadway St – Prosper, TX 75078 – (972) 346-3700
To view a complete directory of car insurance agents in Prosper, go to this page.
After getting positive feedback to your questions and locked in a price quote, most likely you have located an insurance agency that will insure your vehicles.
Keep your options open
Car insurance agents can be invaluable at times, but Texas drivers can also buy direct from companies online. Certain companies like Allstate and State Farm who have local agents in Prosper also let you buy direct online, and consumers should do that if you don’t want to take the time to contact agents.
If you’re apprehensive about selecting your own policy coverages when shopping online, that is quite common when buying online the first time. Online car insurance companies that require consumers to choose their own coverages have customer service departments to answer any questions you may have.
Can online rates save money? It’s difficult to say for sure due to the fact that there are multiple individual factors that determine the price you pay. It would make sense to think that shopping online for auto insurance saves money because there is no commission. For the majority of companies, however, advertising and marketing take a lot of money and that can quickly cost more than paying an agent.
More comparisons equals lower rates
People change insurance companies for any number of reasons including lack of trust in their agent, poor customer service, policy non-renewal or even being labeled a high risk driver. Whatever your reason, finding a great new company can be pretty painless.
Discount car insurance is definitely available from both online companies and also from your neighborhood Prosper agents, so you should compare both in order to have the best price selection to choose from. A few companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.
For more reading
More tips and info about car insurance is located at the Texas Department of Insurance website. Consumers can get help finding coverage, view agent and company licensing information, and file complaints about a company.