When trying to find a good Rowlett agent, you can do the preliminary legwork on the web instead of calling around. Chances are good you not only want a competent insurance agent, but you also want great rates as well.
With insurance companies like American Family, Allstate, State Farm and independent agents having local Rowlett offices, it’s difficult to determine which will give you the lowest rates and best service. To help decide, it’s easy to use online quotes in order to build a list of insurance agencies to choose from.
Shop online but buy locally
Good agents can answer important questions and help submit paperwork. The best thing about comparing insurance prices online is you may find the lowest rates and still choose a local agent. Supporting local agencies is important especially in Rowlett.
For easy comparison, once you complete this form (opens in new window), the quote information gets sent to local insurance agents who will return price quotes for your business. You won’t need to drive around since price quotes are sent immediately to your email address. How’s that for easy!
Best auto insurance agent in Rowlett
When researching a good Rowlett insurance agent, you need to know there are two types of agencies from which to choose. Agents are categorized either independent (non-captive) or captive. Either one can write coverage properly, but it’s good to learn how they differ because it can influence your agent selection.
Independent Agencies or Brokers
These agents do not work for one specific company so they have the ability to put coverage with lots of companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally and you won’t have to switch agencies. When comparing rates, you should always include several independent insurance agents to ensure the widest selection of prices.
Listed below are independent insurance agencies in Rowlett who can help you get price quote information.
Eastwood Insurance – 5500 Tennyson Pkwy – Rowlett, TX 75089 – (972) 412-4316
Nationwide Agency/Don White – 6702 Dalrock Rd – Rowlett, TX 75089 – (972) 412-6907
Smith Insurance – 7401 Silverthorn Dr – Rowlett, TX 75089 – (972) 475-9403
Agency Captives
Captive agents write business for a single company like Allstate, State Farm and Farmers Insurance. They usually cannot give you multiple price quotes so they have no alternatives for high prices. They are usually quite knowledgeable on the products they sell which helps them compete with independent agents.
Below is a list of captive agents in Rowlett that are able to give rate quotes.
Allstate Insurance – 3504 Lakeview Pkwy – Rowlett, TX 75088 – (972) 475-7909
State Farm Insurance – 5001 Rowlett Rd # 100 – Rowlett, TX 75088 – (972) 475-9453
For a complete listing of captive insurance agencies in Rowlett, please view this page.
Selecting an insurance agent requires more thought than just the bottom line cost. Ask your prospective agent these questions:
- Do the companies they represent have a solid financial rating?
- Are you getting all the discounts the company offers?
- Will their companies depreciate repairs to your car based on the mileage?
- Are they properly licensed to sell insurance in Texas?
- How much can you save by raising your physical damage deductibles?
- Do they have any clout with companies to ensure a fair claim settlement?
- Which insurance companies are they affiliated with?
After getting satisfactory answers to any questions you have in addition to an acceptable price estimate, you may have just found a car insurance agent that meets your needs to insure your vehicles.
Don’t forget about online-only companies
Insurance agencies are important, but you can also find affordable Texas auto insurance from online companies direct. Some car insurance companies who sell through agents in Rowlett additionally provide the ability to buy direct on their websites, so that should be considered as an alternative to contacting agents.
If you’re uncomfortable with not getting proper coverage, don’t be too concerned. Online insurance companies all have toll-free customer service you can use to get advice on coverages. They also offer live chat and online tools to help with the buying process.
Does car insurance cost less online? The answer to that question is complicated since there are so many components that influence how your policy is priced. Many people think that buying directly from the company saves money by not requiring a commission. But the fact is, it’s expensive to advertise and this drives up their premium costs.
When trying to find the best rates, the only way to determine if local insurance agents or online providers are cheaper is to make apples-to-apples comparisons of both. You can actually get different rates for the identical company when they compare quotes from both. It’s not possible to know if the company’s rates are lower online or from an agent without quoting identical coverages utilizing both methods.
More quotes mean more savings
Consumers switch companies for a variety of reasons including delays in responding to claim requests, high prices, lack of trust in their agent or an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new company is less work than it seems.
When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage for the lowest price.
Learn more about car insurance in Texas
Much more information about car insurance in Texas is available on the website for the Texas Department of Insurance located here. Texas consumers can find a variety of consumer forms, get help finding coverage, and file complaints about a company.