Useful Tips for Finding a Sachse Insurance Agent

Comparing auto insurance rates in Sachse can be a lot of work since there are a lot of options and picking a good Texas auto insurance agent takes more work than just randomly choosing from the yellow pages. For this article’s sake, it’s assumed you’re not only searching for a good professional insurance agent, but you also need affordable coverage.

With companies like Allstate, Farmers and State Farm as well as independent agents having local Sachse offices, it’s hard to tell which one will provide the lowest rates and best service. To begin, consumers can get online price quotes to assemble a group of insurance agencies and price estimates.

Comparing prices from Sachse agents

Professional agents can help determine the best coverages and give you peace of mind. One of the best bonuses of comparing insurance prices online is the fact that you can find the lowest rates but still work with a licensed agent. Buying from small agencies is important particularly in Sachse.

Upon completion of this short form, the coverage information is instantly submitted to local insurance agents who will return price quotes for your insurance coverage. There is no reason to even leave your home due to the fact that quote results will go directly to your email. It doesn’t get any easier! You can find better rates and a licensed agent to work with.

Sachse insurance agents are either independent or captive

When finding a local agent, you need to know there are two types of insurance agents to choose from. Agents are categorized either captive or independent.

Independent Agents (or Brokers)

These agents are not employed by any specific company but rather can write business with many different companies and possibly get better coverage at lower prices. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part.

When searching for an agent, we recommend you get quotes from at least one independent agent to get the best comparison.

Below is a list of independent agents in Sachse who may be able to give you price quote information.

Marquez Insurance – 6404 Highway 78 – Sachse, TX 75048 – (972) 495-4757
Terry Davis Insurance – 5634 Highway 78 # 110 – Sachse, TX 75048 – (972) 495-7944

Captive Insurance Agents

Captive agents can only place business with one company and some examples include AAA, Allstate and State Farm. They generally cannot compare other company’s rates so they have no alternatives for high prices. They are usually quite knowledgeable on their company’s products which can be an advantage.

The following is a list of captive agents in Sachse who can help you get comparison quotes.

State Farm Insurance – 7210 Highway 78 – Sachse, TX 75048 – (972) 429-6670
Allstate Insurance – 5848 Highway 78 # 104 – Sachse, TX 75048 – (972) 530-7804

For a complete listing of auto insurance agents in Sachse, go to this page.

Picking a car insurance agent requires more thought than just the bottom line cost. These questions are important to ask:

  • Are claims handled at the agent’s location?
  • Can glass repairs be made at your home?
  • Who is covered by the car insurance policy?
  • Do they carry Errors and Omissions coverage?
  • What insurance companies do they work with?
  • How much can you save by raising your physical damage deductibles?

Once you have answers to your satisfaction to any questions you have and locked in a price quote, most likely you have located a car insurance agent that meets your needs to properly insure your vehicles.

You have the option to buy direct online

Car insurance agents are important to many people, but you also have the option of buying Texas car insurance directly from online companies. Some car insurance companies, such as State Farm, Allstate and Farmers, that are more known for using agents, also give you the option to buy direct online, so this should also be taken into consideration and can also potentially find you lower rates.

If you’re concerned about not having professional advice when shopping online, this is normal but is quickly overcome. Companies all provide contact methods for getting questions answered. They also offer 24/7 live help and a car insurance FAQ section to help you make a buying decision.

Do online companies have better rates? It’s difficult to provide an answer because there are so many things that determine your policy premium. It would make sense to think that buying online saves the commission normally paid to an agent. For the majority of companies, however, online and traditional media advertising are expensive and those expenses can offset most of the savings by selling direct.

Find out more about auto insurance

Additional auto insurance information can be found on the website for the Texas Department of Insurance. Click here for link. Texas drivers can find disaster information, get help finding coverage, file complaints about an insurance agent or broker, and report car insurance fraud.

Smart shoppers get results

Affordable auto insurance can be found online and also from your neighborhood Sachse agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies may not provide online price quotes and most of the time these smaller companies sell through independent agents.

People leave their current company for many reasons like not issuing a premium refund, high rates after DUI convictions, extreme rates for teen drivers or even lack of trust in their agent. No matter why you want to switch, choosing a new insurance company is not as hard as you think.