When searching for a good Garland agent, it’s recommended you start your research on the internet rather than looking in the yellowpages. It’s highly likely that not only do you want a good agent that listens to you, but also the lowest possible price.
With companies like State Farm, Allstate, Farmers and independent agents having local Garland offices, it’s hard to tell which provider will provide you with the cheapest rates and the best coverage. Thankfully, consumers can get insurance quotes online to get a list of insurance agencies and thier coverage prices.
Best way to find Garland agents
Educated insurance agents are trained to spot inefficiencies and help submit paperwork. One of the great benefits of getting online price quotes is you may find the best rates and still choose a local agent. Supporting local insurance agencies is definitely important in Garland.
To help locate an agent, after submitting this simple form, the coverage information gets sent to local insurance agents who will battle to get your business. You won’t need to drive around due to the fact that quote results will go to the email address you provide. How cool is that?! It’s the lowest rates AND an agent nearby.
Choose the right auto insurance agent
When looking for a reputable insurance agent or broker, there are a couple of types of agencies that differ in how they can insure your vehicles. Agencies in Garland are either captive or independent.
Independent Insurance Agents
These agents are not required to write business for one company so they have the ability to put coverage amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies.
When searching for an agent, it’s recommended you include at a minimum one independent agency to get the best comparison.
Below are Garland independent insurance agencies willing to provide price quotes.
Tkg General Agency – – Garland, TX 75043 – (972) 303-1777
Danny Venz Insurance – 3960 Broadway Blvd # 145 – Garland, TX 75043 – (972) 271-4200
Tomlinson Agency – 346 Oaks Trl # 209 – Garland, TX 75043 – (972) 203-9368
Maners Agency Inc – 552 W Interstate 30 # 303 – Garland, TX 75043 – (214) 252-8595
Zamorano Insurance – 1750 Northwest Hwy – Garland, TX 75041 – (972) 270-3333
Captive Insurance Agents
Captive agents can only write with one company and some examples include State Farm, AAA and Liberty Mutual. They generally cannot shop your coverage around so they have to upsell other benefits. Captive agents are trained well on their company’s products and that can be a competitive advantage.
Below are Garland captive insurance agencies who can help you get price quotes.
Allstate Insurance – 2376 Lavon Dr # 132 – Garland, TX 75040 – (972) 233-2455
Joe Driver State Farm Ins – 201 S Glenbrook Dr – Garland, TX 75040 – (972) 276-1116
Farmers Insurance Group – 1530 W Kingsley Rd – Garland, TX 75041 – (972) 278-2118
For a complete listing of auto insurance agents in Garland, visit this site.
Picking an auto insurance agent shouldn’t rely on just the premium amount. Agents should be asked these questions:
- Is vehicle damage repaired with OEM or aftermarket parts?
- How are they compensated?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Are claim adjusters local or do you have to take your car somewhere else?
- What insurance company do they write the most business with?
After receiving good answers to these questions and locked in a price quote, you may have just found an insurance agency that can adequately provide auto insurance.
But what about buying from online companies?
Licensed agents are indespensible for some people, but you also have the option of buying Texas car insurance from online companies direct. A few companies who have local Garland agents also let you get quotes and purchase online. This is something to consider.
If you’re concerned about not getting proper coverage when shopping online, this is expected but don’t let that bother you. Online car insurance companies that allow you to purchase coverage provide customer service that you can contact for information. You can also use live help and 24/7 access so you can feel comfortable buying online.
Can buying online lower your premiums? That question is hard to answer since there are so many components which can adversely affect your policy premium. It’s logical to say that going direct cuts out the middleman. In many cases, there are high advertising and marketing costs so the rates may be similar to buying from an agent.
A little work can save a LOT of money
Lower-priced auto insurance is attainable online in addition to many Garland insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not provide online quoting and these smaller companies work with independent agents.
As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. In too many instances, someone sacrificed comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.
Some additional reading
Additional auto insurance information is available on the website for the Texas Department of Insurance located here. Texas drivers can get help finding coverage, file complaints about an insurance agent or broker, and report car insurance fraud.
Other informative sites include Auto Insurance 101 and this page for help finding agents in Garland, TX.