Price shopping your Dallas car insurance can seem to be nearly impossible for consumers new to comparison shopping online. People have so many options that it can be a ton of work to locate the lowest price in Dallas.
It’s important to take a look at other company’s rates occasionally since insurance rates change regularly. Just because you had the best deal six months ago you can probably find a better price now. So forget anything you know (or think you know) about car insurance because it’s time to teach you the tricks you need to know to find better rates and still maintain coverage.
If you have a policy now or are shopping for new coverage, you can use these tips to shop for the lowest rates and possibly find even better coverage. Locating affordable car insurance in Dallas is not that difficult. Texas consumers only need to know the best way to get comparison rates on the web.
Comprehensive Car Insurance Comparison in Dallas
Effectively comparing car insurance prices can take time and effort if you aren’t aware of the most efficient way to do it. You could waste a few hours discussing policy coverages with insurance agencies in Dallas, or you could use online quoting to maximize your effort.
Most of the best insurance companies belong to a marketplace that allows shoppers to complete one form, and each participating company then gives them pricing determined by their information. This saves time by eliminating repetitive form submissions for each company.
To participate in this free quote system, click to open in new window.
The one disadvantage to getting quotes like this is you are unable to specify which companies to receive prices from. So if you prefer to pick specific insurance companies to compare, we have a listing of the cheapest car insurance companies in Texas. Click here to view list.
It’s your choice how you get your quotes, but make darn sure you compare the exact same quote information for each price quote. If your comparisons have differing limits it will be very difficult to make an equal comparison in Dallas.
Neighborhood agents for car insurance
Some consumers would rather visit with an insurance agent and there is nothing wrong with that. Educated insurance agents can help determine the best coverages and help submit paperwork. One of the best bonuses of getting online price quotes is the fact that you can find better rates but also keep your business local. And providing support for local insurance agencies is especially important in Dallas.
Once you complete this short form, your coverage information is submitted to insurance agents in Dallas who will battle for your business. There is no reason to leave your house as quotes are delivered straight to your inbox. How cool is that?!
Insurance agencies in Dallas come in two varieties
If you’re trying to find a good Dallas insurance agent, you must know there are a couple different agency structures to choose from. Dallas agents are categorized either independent (non-captive) or captive. While both can write coverage properly, but it’s important to know how they differ because it can influence the selection process.
Independent Insurance Agents
Independent insurance agents are not required to write business for one company so they have the ability to put coverage with lots of companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency.
When searching for an agent, it’s a good idea to include price quotes from several independent insurance agents to have the most options to choose from. Most have the option of insuring with different regional companies which may provide better rates.
The following is a short list of independent insurance agencies in Dallas who may be able to give you rate quotes.
- Kendall Agency – 8410 Flower Meadow Dr – Dallas, TX 75243 – (214) 340-5032
- Federal Deposit Insurance Corp – 14651 Dallas Pkwy – Dallas, TX 75254 – (972) 448-6000
- Hamilton Agency – 1000 Emerald Isle Dr – Dallas, TX 75218 – (214) 328-4725
- Juan Ardila Agency – 2880 Lyndon B Johnson Fwy – Dallas, TX 75234 – (972) 484-3340
- Absolute Insurance – 9310 Forest Ln – Dallas, TX 75243 – (214) 348-8111
Captive Agents
Captive insurance agents are contracted to one company like State Farm, Allstate and AAA. Captives cannot compare other company’s rates so they have no alternatives for high prices. These agents receive extensive training in insurance sales and that can be a competitive advantage. Consumers frequently buy from captive agents mainly due to high brand loyalty and the convenience of having a single billing for all their coverages.
Listed below are Dallas captive insurance agencies who can help you get comparison quotes.
- Allstate Insurance – 7015 Snider Plz – Dallas, TX 75205 – (214) 363-6668
- Texas Farm Bureau – 9560 Skillman St – Dallas, TX 75243 – (214) 340-8394
- Farmers Insurance Group – 5323 Spring Valley Rd # 250 – Dallas, TX 75254 – (972) 788-4061
- Liberty Mutual – 3950 Spring Valley Rd – Dallas, TX 75244 – (972) 820-8426
- State Farm Insurance – 17062 Preston Rd # 124 – Dallas, TX 75248 – (972) 931-7002
For a complete listing of car insurance agents in Dallas, go to this page.
Picking an auto insurance agent requires more thought than just the premium amount. These are valid questions to ask:
- If you are a high risk driver, do they have special markets for your coverage?
- What insurance companies do they work with?
- Does the company allow you to choose your own collision repair facility?
- Is assistance available after office hours?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they assist clients in filing claims?
- If they are an independent agency, which companies do they recommend?
After getting positive responses for all questions you ask as well as a affordable price, it’s possible that you found an insurance agency that meets your needs to properly service your car insurance policy.
Additional Texas consumer information
Additional information is located on the Texas Department of Insurance website through this link. Texas consumers can report car insurance fraud, get help finding coverage, read state legal mandates and laws, and download brochures.
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