To find a good insurance agent in Grand Prairie, Texas, you can always start your search by getting online comparison quotes rather than looking in the yellowpages. The chances are good that not only do you want a good professional insurance agent, but also affordable coverage.
With State Farm, Allstate and many independent agents all competing for business in Grand Prairie, it’s difficult to determine which auto insurance agent will give you the best rates, service and coverage. To help decide, you can use online quotes in order to build a list of insurance agents from which to choose.
Working with a local agent
Insurance agents are trained to spot inefficiencies and give you peace of mind. The best thing about comparing insurance prices online is you may find better rates and still choose a local agent. And providing support for local insurance agencies is definitely important in Grand Prairie.
Once you complete this form (opens in new window), the quote information is transmitted to agents in your area who will return price quotes for your business. There is no reason to leave your house since price quotes are sent to the email address you provide. It doesn’t get any easier! You can find better rates AND an agent nearby.
Different types of Grand Prairie insurance agencies
When researching a local agent, there are a couple of types of insurance agents from which to choose. Agencies in Grand Prairie are either captive or independent (non-captive).
Independent Agencies or Brokers
These agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency. When comparison shopping, it’s recommended you contact at least one independent agent to get the best comparison. Most have the option of insuring with smaller regional carriers which can save you money.
Listed below is a short list of independent agents in Grand Prairie that are able to give price quote information.
- Rudy Brown Insurance – 1106 N State Highway 360 – Grand Prairie, TX 75050 – (972) 606-0596
- Atlas General Agency – 2080 N Highway 360 # 270 – Grand Prairie, TX 75050 – (972) 975-0003
- Firemark Insurance Agency – Dfw Office – Grand Prairie, TX 75052 – (972) 647-1222
- USA Agency – 2100 N Highway 360 – Grand Prairie, TX 75050 – (972) 623-1688
- Western General Insurance – 132 E Main St # 107 – Grand Prairie, TX 75050 – (972) 262-6316
Captive Insurance Agents
Captive insurance agents are contracted to one company and examples are Liberty Mutual, State Farm, Allstate and AAA. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. Captive agents are trained well on the products they sell which can be an advantage. Consumers sometimes purchase coverage from captives mostly because of the prominence of the brand and the convenience of having a single billing for all their coverages.
The following is a list of captive agencies in Grand Prairie that are able to give price quotes.
- State Farm Insurance – 721 E Marshall Dr # 1 – Grand Prairie, TX 75051 – (972) 264-8755
- Farmers Insurance Group – 2304 Bardin Rd # 202 – Grand Prairie, TX 75052 – (972) 522-2202
- Allstate Insurance – 615 Small Hill Dr # 104 – Grand Prairie, TX 75050 – (972) 262-9098
For a full directory of captive agents in Grand Prairie, please view this page.
Deciding on an insurance agency needs to be determined by more than just a low price. These are valid questions to ask:
- Can they give you a list of client referrals?
- Does the company allow you to choose your own collision repair facility?
- Are you getting all the discounts the company offers?
- If your car is totalled, how to they determine the replacement cost?
- What is the agency’s Better Business Bureau rating?
- Did they already check your driving record and credit reports?
Upon getting reasonable responses to these questions and locked in a price quote, you may have just found an auto insurance agent that will properly service your car insurance policy.
You have the option to buy auto insurance direct online
Car insurance agents are perfect for certain consumers, but Texas drivers can also buy from companies direct over the internet. Even companies like Allstate and State Farm that sell primarily through agents also give you the ability to buy online, and that is helpful if the lowest rate is your goal.
If you’re anxious about not having an agent to talk to when buying car insurance direct, that should not be a issue. Insurance companies have customer service departments for answering any questions you have.
The only way to determine if the best rates are online or from local agents is to set aside time to compare rates from both. Even though it sounds odd, people frequently get different pricing from online quotes as they do from local agents from the same company. It’s just impossible to know whether the best rates are online or from an agent unless you actually compare identical quotes from both.
Will auto insurance cost less online? The answer is complex because there are a lot of things that can increase policy rates. Common sense would say that a consumer who buys direct saves the cost of an agent commission. For most companies selling online, however, it’s expensive to advertise so this can offset any savings.
Much more information about car insurance in Texas can be read on the Texas Department of Insurance website through this link. Texas consumers can learn about specific coverages, file complaints about a company, and read consumer alerts.
Other informative sites include this resource for Texas car insurance prices and see this list of insurance agents in Grand Prairie.
Keep this in mind
When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.
Insureds who switch companies do it for any number of reasons including high prices, high rates after DUI convictions, denial of a claim or an unsatisfactory settlement offer. Regardless of your reason for switching companies, choosing a new company is pretty easy and you might even save some money in the process.