When searching for an insurance agent in Duncanville, Texas, you can start your research for an agent online to save time. The chances are good you’re not only searching for a friendly agent, but you also want the best rates possible.
With companies like Farmers, Allstate, and independent agents all competing for business in Duncanville, it’s difficult to determine which car insurance agent will give you the cheapest rates and the best coverage. Fortunately, consumers can get online quotes to build a list of insurance agents from which to choose.
Your insurance agent down the street
Agents can help determine the best coverages and give you someone to call. The biggest benefit of comparing rates online is the fact that you can find lower rates and still choose a local agent. Supporting small agencies is definitely important in Duncanville.
By using this short form, your insurance coverage information is instantly submitted to participating agents in Duncanville who will compete for your business. There is no need to leave your house because quoted prices will be sent directly to your email. Now that’s easy! You can find the lowest rates AND an agent nearby.
Independent or Captive: It’s your choice
When researching an insurance agent, there are two different types of agents to choose from. Agencies in Duncanville are categorized either captive or independent.
Independent Agents (or Brokers)
Independent insurance agents are not locked into one company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. 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 searching for an agent, you should always include at a minimum one independent agency for maximum quote selection. They often place coverage with lesser-known insurance companies which can be an advantage.
The following are Duncanville independent insurance agencies that are able to give comparison quotes.
- Strickland Insurance – 400 E Wheatland Rd # B – Duncanville, TX 75116 – (972) 298-7183
- Timothy D Click Insurance – 407 N Cedar Ridge Dr # 225 – Duncanville, TX 75116 – (972) 298-5212
Captive Agents
Captive agencies write business for a single company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Captives cannot compare other company’s rates so they have no alternatives for high prices. Captives are trained well on their company’s products which can be an advantage. Consumers sometimes purchase coverage from captives primarily because of loyalty to the company and the convenience of having all coverages with one company.
Listed below are captive insurance agencies in Duncanville who can help you get rate quotes.
- Allstate Insurance – 797 W Wheatland Rd – Duncanville, TX 75116 – (972) 283-9595
- Farmers Insurance Group – 519 N Cedar Ridge Dr # 1 – Duncanville, TX 75116 – (972) 298-9239
- State Farm Insurance – 415 E Highway 67 – Duncanville, TX 75137 – (972) 296-0961
For a full directory of captive agencies in Duncanville, simply jump to this page.
Selecting an insurance agency should depend on more than just a low price. Some important questions to ask are:
- Can they give you a list of client referrals?
- If you have an accident, will your rates go up?
- How often do they review policy coverages?
- Is the agent and/or agency licensed to do business in Texas?
- Is their price quote a firm figure or are their hidden costs?
- Do they have any clout with companies to ensure a fair claim settlement?
- Do they feel the quoted coverages are adequate?
Upon getting positive feedback to any questions you have and an acceptable price quote, it’s possible that you found an insurance agency that is a good match to properly service your auto insurance policy.
Have you considered online alternatives?
Local insurance agents are important, but you can also buy Texas car insurance from online companies direct. Some specific companies, such as State Farm, Allstate and Farmers, that are more known for using agents, additionally provide the ability to buy direct online, and online price comparisons are easy if you’re trying to lower your rates.
If you’re apprehensive about not having an insurance agent’s advice, this really isn’t an issue. All companies have customer service departments you can use to get advice on coverages.
Is it cheaper to buy online? That question is hard to answer since companies use quite a few components that impact your final bill. Common sense would say that purchasing direct online prevents the agent from taking a cut. But the fact is, there are very high advertising costs so rates may not be all that different from traditional agents.
What is YOUR best insurance company?
Lower-priced auto insurance is available from both online companies and with local Duncanville insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage for the lowest price while not skimping on critical coverages.
Additional auto insurance information can be found on the Texas Department of Insurance website through this link. Texas drivers can download brochures, get help finding coverage, and read industry bulletins.