Finding good auto insurance in Desoto can be challenging since you have many choices and choosing the right Desoto car insurance agent is not as easy as just calling the closest agent. For the sake of this article, we’ll assume you require not only a highly trained agent, but also the best rates possible.
With companies like Farmers, Allstate, and independent agents having local Desoto offices, it’s hard to tell which insurance agency will provide the best rates, service and coverage. To begin, consumers can get online price quotes to get a list of insurance agencies from which to choose.
Local Desoto agents and auto insurance
Good agents can point out coverage gaps and help submit paperwork. One of the best bonuses of price shopping on the web is you may find the lowest rates and still have an agent to talk to. And supporting local agencies is important particularly in Desoto.
After completing this quick form, your insurance coverage information is instantly submitted to local insurance agents who will compete to get your business. You won’t need to visit any agencies as quotes are delivered straight to your inbox. How’s that for easy! You can find better rates and work with a local agent.
Insurance agents in Desoto come in two varieties
When researching a good Desoto insurance agent, there are a couple of types of agencies that differ in how they can insure your vehicles. Desoto agents are either independent or captive.
Independent Insurance Agents
These agents are not required to write business for one company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent. When comparison shopping, we recommend you include several independent insurance agents to get the best comparison.
The following are independent agents in Desoto who may be able to give you rate quotes.
Lenders Insurance – 1504 Osprey Dr # B – Desoto, TX 75115 – (972) 228-2000
Lonestar Auto Insurance – 245 N Hampton Rd – Desoto, TX 75115 – (972) 274-4555
Charles Steiner Agency – 900 N Polk St # 116 – Desoto, TX 75115 – (972) 228-0880
Gail Douglas Agency – 718 N Hampton Rd – Desoto, TX 75115 – (972) 230-0880
Captive Agents
This type of agents work for only one company such as American Family, State Farm and Allstate. They usually cannot place coverage with different providers so it’s a take it or leave it situation. Captive agents are well schooled on their company’s products which helps them sell insurance even at higher premiums.
Shown below is a list of captive agents in Desoto who can help you get rate quotes.
State Farm Insurance – 1801 N Hampton Rd # 380 – Desoto, TX 75115 – (972) 572-0707
Farmers Insurance Group – 1801 N Westmoreland Rd – Desoto, TX 75115 – (972) 283-2996
Allstate Insurance – 1229 E Pleasant Run Rd # 123 – Desoto, TX 75115 – (972) 224-4027
For a complete listing of auto insurance agents in Desoto, simply jump to this page.
Choosing an insurance agency requires more thought than just the bottom line cost. Some important questions to ask are:
- Do they carry Errors and Omissions coverage?
- Is working in the agency their full-time job?
- How much will you save each year by using a higher deductible?
- Are claims handled at the agent’s location?
- Will their companies depreciate repairs to your car based on the mileage?
- Do they specialize in personal lines coverage?
- How are claims handled?
Once you have satisfactory answers to these questions as well as a affordable price, you may have just found a car insurance agent that will properly service your auto insurance policy.
Do online insurance companies have better rates?
Local insurance agents can be invaluable at times, but Texas consumers also have the option to buy direct online. Certain auto insurance companies who have local agents in Desoto also allow you to buy direct online, and that can save time as an alternative to contacting agents.
If you’re concerned about not having professional advice, don’t let it bother you. Insurance companies give you access to trained agents to answer any questions you may have.
Does coverage cost less online? That is a tough question to answer since companies use quite a few components that impact your rate calculation. It’s a common assumption that shopping online for auto insurance reduces premiums because there is no agent. In reality, advertising and marketing take a lot of money and that can cost more than having to pay agents.
The best way to determine where you can get the lowest rate, either online or from agents, is to make apples-to-apples comparisons of both. Lots of times people will get different prices when comparing agent prices to online quotes from the same car insurance company. But you can’t find out which method provides the best price until after comparing identical coverage quotes utilizing both methods.
Additional information is available on the website for the Texas Department of Insurance located here. Visitors are able to file complaints about an insurance agent or broker, find disaster information, and learn about insurance regulations.
Other informative sites include this link for Texas auto insurance quotes and see this list of insurance agents in Desoto.
Compare but don’t skimp
When you buy insurance online, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where someone dropped liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.
Insureds leave their current company for a variety of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, lack of trust in their agent or even questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.