When finding a good Coppell agent, you can start your search on the web to save time. It’s highly likely you want a great agent that can assess your needs, but you also want the lowest possible price.
With insurance companies like State Farm, Allstate and many independent agents having local Coppell offices, it can be hard to know which one will have the best rates, service and coverage. Thankfully, you can use online quoting to get a list of insurance agencies and price estimates.
Neighborhood insurance agents
Licensed agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing rates online is you may find lower rates but also keep your business local. Supporting small agencies is especially important in Coppell.
Once you complete this quick form, your information is submitted to agents in your area who will give you bids for your coverage. There is no need to leave your house because quoted prices will be sent immediately to your email address. Now that’s easy!
Different types of Coppell insurance agents
When finding a reliable agent, there are a couple of types of insurance agents from which to choose. Coppell agents are categorized either captive or independent. Both properly insure your vehicles, but it’s good to learn the difference between them since it may influence the selection process.
Independent Insurance Agents
Independent insurance agents are not required to write business for one company but rather can write business with any number of different companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house without you having to go to a different agency.
When searching for an agent, it’s a good idea to include several independent insurance agents for maximum quote selection.
Below is a list of independent agencies in Coppell that may be able to provide competitive price quotes.
Ken Phipps Insurance – 500 S Denton Tap Rd – Coppell, TX 75019 – (972) 393-3518
Export Insurance – 600 S Denton Tap Rd # 140 – Coppell, TX 75019 – (972) 745-9047
David King Agency – 110 W Sandy Lake Rd # 116 – Coppell, TX 75019 – (972) 393-3311
Paula Huemmer Agency – 702 S Denton Tap Rd # 160 – Coppell, TX 75019 – (972) 393-2528
Agency Captives
This type of agents are contracted to one company like Allstate, State Farm and Farmers Insurance. Captives cannot provide prices from multiple companies so they have no alternatives for high prices. Captive agencies are well schooled on the products they sell which helps them sell insurance even at higher premiums.
The following are Coppell captive insurance agents willing to provide comparison quotes.
Farmers Insurance Group – 722 S Denton Tap Rd # 250 – Coppell, TX 75019 – (972) 471-3444
State Farm Insurance – 651 N Denton Tap Rd # 110 – Coppell, TX 75019 – (972) 899-6570
Allstate Record Ctr W – 500 Airline Dr # 20 – Coppell, TX 75019 – (972) 393-5704
For a complete listing of Coppell captive agents, please go to this site.
Picking a car insurance agent needs to be determined by more than just the bottom line cost. These questions are important to ask:
- How long has their agency been in business in Coppell?
- Will your rates increase after a single accident?
- Which members of your family are coverage by the policy?
- Can they provide you with a list of referrals?
- How much can you save by raising your physical damage deductibles?
- Which insurance companies are they affiliated with?
After receiving acceptable answers to your questions in addition to an acceptable price estimate, it’s possible that you found an insurance agent that can insure your vehicles.
Can I save by buying direct online?
Licensed agents are a valuable resource, but Texas drivers can also buy from companies direct over the internet. Some car insurance companies that sell primarily through agents also give you the option to buy online, so keep that in mind if you’re trying to lower your rates.
If you’re concerned about choosing your own coverages when buying direct, that should not be a issue. Companies that require consumers to choose their own coverages give you access to trained agents for getting questions answered.
Do online companies provide lower prices? The answer is complex because of the fact that insurance companies use many factors that impact your final bill. It’s a logical assumption that shopping online for auto insurance saves money because there is no agent involvement. But in reality, advertising and marketing take a lot of money and that can cost more than having to pay agents.
For price-conscious consumers, the only way of knowing whether prices are lower online or from agents is making fair comparisons of each of their rates. It’s possible to get different rates for the exact same company when they compare quotes from both.
More Texas auto insurance information
Additional information is available on the website for the Texas Department of Insurance through this link. Texas drivers can find a variety of consumer forms, read enforcement actions against agents and companies, and download brochures.
What is YOUR best insurance company?
While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. In many cases, someone sacrificed full coverage only to discover later they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage for the lowest price.
Consumers change insurance companies for any number of reasons including being labeled a high risk driver, lack of trust in their agent, delays in responding to claim requests and even denial of a claim. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.