Finding good car insurance in Frisco can be challenging since you have many choices and choosing the right Frisco car insurance agent takes more work than just using the same insurance agent as your neighbor. You require a good agent that listens to you, but also the best car insurance prices in Frisco.
Drivers have so many auto insurance agents to pick from, and even though it’s nice to have a choice, it makes it harder to find the lowest rates.
Compare online but buy from a local Frisco agent
Insurance agents can point out coverage gaps and give you peace of mind. One of the best bonuses of comparing insurance prices online is you may find better rates and still have an agent to talk to.
To make it easy to find an agent, after completing this form (opens in new window), your information is sent to participating agents in Frisco who will return price quotes for your coverage. You won’t need to drive around due to the fact that quote results will go directly to your email. How cool is that?!
Deciding on an insurance agency shouldn’t rely on just the bottom line cost. Any agent should be forthright in answering these questions:
- What insurance companies do they work with?
- What insurance company do they write the most business with?
- Can glass repairs be made at your home?
- Who is covered by the car insurance policy?
- Is the agent and/or agency licensed to do business in Texas?
- How are claims handled?
- What are the financial ratings for the companies they represent?
Frisco insurance agencies are either independent or captive
When looking for an insurance agent, you must know there are a couple types of insurance agents that you can select. Agents are either captive or independent. While both can properly insure your vehicles, but it’s good to learn how they differ because it can influence your agent selection.
Captive Insurance Agents
This type of agents can only write with one company such as American Family, State Farm and Allstate. They generally cannot compare other company’s rates so keep that in mind. Captives are usually quite knowledgeable on the products they sell which can be an advantage.
Shown below are Frisco captive agents that are able to give comparison quotes.
Farmers Insurance Group – 9741 Preston Rd – Frisco, TX 75034 – (972) 335-2493
State Farm Insurance – 8756 Teel Pkwy # 312 – Frisco, TX 75034 – (972) 712-3684
Allstate Insurance – 2601 Network Blvd – Frisco, TX 75034 – (972) 712-0154
Independent Agents (or Brokers)
Independent agencies do not work for one specific company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. To move your coverage to a new company, your agent can switch companies and you won’t have to switch agencies. When comparing rates, you should always include price quotes from multiple independent agents to get the best comparison.
Listed below is a short list of independent insurance agencies in Frisco that are able to give price quotes.
Betty Insurance Agency – 3550 Parkwood Blvd # C-301 – Frisco, TX 75034 – (972) 423-9300
CLA Insurance Svc – 9300 Wade Blvd # 101 – Frisco, TX 75035 – (972) 377-0260
Grimes Agency – 3550 Parkwood Blvd # 102 – Frisco, TX 75034 – (214) 618-4380
American National Insurance Co – 7548 Preston Rd # 141 – Frisco, TX 75034 – (972) 335-1777
Ward Agency – 9741 Preston Rd # 304 – Frisco, TX 75034 – (972) 377-7999
For a full directory of Frisco insurance agents, please view this page.
Upon getting answers to your satisfaction to your questions and a good coverage price, chances are good that you have found a car insurance agent that will properly insure your vehicles.
What about online companies that cut out the middleman?
Auto insurance agents are perfect for certain consumers, but you also have the option of buying direct from companies online. Certain companies that are more known for using agents, also permit you to buy direct online, so that should be considered.
If you’re concerned about not receiving proper advice when buying online, that should not be a issue. Online companies that require consumers to choose their own coverages have customer service departments that you can contact for information. You can also use live help and an extensive research center you can access prior to buying.
Do people save by buying online? That is a tough question to answer since there may be dozens of rate factors that determine the price you pay. Many people think that a customer who purchases direcly from an online company reduces premiums because there is no agent. For most companies selling online, however, it’s expensive to advertise and those expenses can offset most of the savings by selling direct.
Final thoughts
Drivers change insurance companies for any number of reasons including high rates after DUI convictions, policy cancellation, questionable increases in premium or unfair underwriting practices. It doesn’t matter what your reason, choosing a new insurance company is less work than it seems.
Discount car insurance is definitely available online and also from your neighborhood Frisco agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who may not provide online price quotes and these smaller companies work with independent agents.
Additional detailed information is located at the Texas Department of Insurance website. Consumers can learn about specific coverages, read enforcement actions against agents and companies, and get help finding coverage.
Other informative sites include this site for car insurance rates in Texas and this list of insurance agents in Frisco.