When pricing auto insurance in Denison, Texas, you have many choices and choosing the right Denison auto insurance agent is not as easy as just picking up the phone. For this article’s sake, it’s assumed that not only do you want a highly trained agent, but you also want the lowest possible price.
With American Family, Allstate, State Farm and independent agents having local Denison offices, it’s hard to tell which car insurance agent will give you the best rates, service and coverage. Thankfully, consumers can get online quotes to get a list of insurance agencies from which to choose.
Save time by quoting online
Insurance agents can point out coverage gaps and help submit paperwork. The best thing about getting online price quotes is you can get the lowest rates and still have an agent to talk to. And providing support for local businesses is important particularly in Denison.
After completing this simple form, your coverage information is emailed to agents in your area who will return price quotes to get your business. You won’t need to visit any agencies because quoted prices will be sent to the email address you provide. Now that’s easy! You’ll get the best rates and work with a local agent.
Compare rates from both independent and captive auto insurance agents
When researching local Denison agents, you need to know there are two different agency structures that you can select. Insurance agencies in Denison can either be independent (non-captive) or captive.
Independent Agents
These agents are not required to write business for one company but rather can write business amongst many companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent. When shopping rates, it’s recommended you include multiple independent agents to have the most options to choose from. Many write coverage with smaller companies which can save you money.
The following is a short list of independent agents in Denison that can give you price quote information.
- Mark Frazer Agency – 1731 S Austin Ave – Denison, TX 75020 – (903) 465-1010
- KATY Station Insurance – 104 E Main St – Denison, TX 75021 – (903) 465-3722
- Germania Insurance – 212 W Main St – Denison, TX 75020 – (903) 465-3167
Captive Agents
This type of agents are contracted to one company and examples are State Farm, AAA, Farmers Insurance or Allstate. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. Captives are very knowledgeable on their company’s products and that can be a competitive advantage. Consumers frequently buy from captive agents primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.
Listed below are Denison captive agencies who can help you get rate quotes.
- State Farm Insurance – 2220 W Morton St – Denison, TX 75020 – (903) 465-1103
- Allstate Insurance – 1221 S Austin Ave – Denison, TX 75020 – (903) 463-6751
For a complete listing of auto insurance agents in Denison, simply jump to this page.
Choosing an insurance agency shouldn’t rely on just the price. Any agent should have no problem answering these questions:
- Does the company allow you to choose your own collision repair facility?
- Do the companies they represent have a solid financial rating?
- Can they give you a list of client referrals?
- Is working in the agency their full-time job?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Once you have received reasonable responses for all questions you ask and a good coverage price, chances are good that you have found an auto insurance agent that is a good match to adequately provide auto insurance.
Can you buy online and save?
Car insurance agents serve a purpose, but Texas drivers can also buy direct from companies that only sell online. Certain companies who sell through the agent channel additionally provide the ability to get a quote and buy online, and consumers should do that if finding the best price is important.
If you’re uncomfortable with whether or not you’ll have guidance when buying direct, that shouldn’t be an issue. Online car insurance companies provide options to walk you through the process.
If the best price is important to you, the most effective way to determine who has the best deal, local agents or online insurance companies, is getting rates for as many of both types of providers as possible. Even though it sounds odd, people frequently get different pricing when comparing agent prices to online quotes from the exact same provider. It’s just impossible to know if the company’s rates are lower online or from an agent without getting separate quotes from both ways.
Will buying online save you money? The answer is complex because there are so many things that determine the price you pay. Common sense would say that purchasing direct online reduces premiums because there is no agent. But in reality, promoting brand recognition is pricey so this can offset any savings.
Quote more, save more
Insureds change insurance companies for any number of reasons including questionable increases in premium, extreme rates for teen drivers, policy non-renewal or even denial of a claim. No matter why you want to switch, finding a new company is easier than you think.
When buying insurance coverage, you should never sacrifice coverage to reduce premiums. In many instances, drivers have reduced liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. The aim is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.
Online resources for education
Additional information is available on the Texas Department of Insurance website through this link. Consumers can learn about specific coverages, file complaints about a company, discover disciplinary actions, and download brochures.