Shopping for the lowest cost Lewisville auto insurance online is difficult for consumers not familiar with online price comaprisons. With so many choices of companies in the marketplace, how can consumers even start to compare every company to locate the best pricing?
You should take the time to do rate comparisons quite often since rates are variable and change quite frequently. Despite the fact that you may have had the best deal last year you can probably find a better price now. Starting right now, forget all the misinformation about auto insurance because you’re going to get a crash course in how to quote online to reduce your cost while increasing coverage.
How to Compare Auto Insurance in Lewisville, Texas
There are several ways to compare rate quotes from auto insurance companies in your area. The easiest way by far to find the cheapest insurance rates consists of shopping online. It is quite easy and can be accomplished in just a few minutes using one of these methods.
- The recommended way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This type of form keeps you from doing separate quote forms for each company you want a rate for. Just one form will return price quotes from several companies. Recommended for those who want to invest the least amount of time.
- A slightly less efficient method to analyze rates requires a trip to the website for each individual company to complete their respective quote request forms. For instance, we’ll assume you want to compare Farmers, State Farm and Travelers. To get each rate you have to visit each site and enter your policy data, which is why the first method is more popular.
For a list of links to insurance companies in Lewisville, click here.
- The least recommended method of comparing rate quotes is driving to local insurance agencies. The internet makes this process obsolete unless you want the professional guidance only provided by licensed agents. You can, however, get prices online but still have the advice of a local agent.
Whichever way you use, double check that you are using the exact same coverage information for each price quote. If each company quotes unequal deductibles or liability limits it will be next to impossible to decipher which rate is best in Lewisville. Slightly different limits may result in large price differences. And when comparison shopping, comparing a large number of companies helps locate the best offered rates.
When might I need help?
When choosing proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique.
For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.
- When do I need to add a new car to my policy?
- Does my insurance cover a custom paint job?
- Am I covered by my spouse’s policy after a separation?
- Do I have coverage if my license is suspended?
- Do I really need UM/UIM coverage?
- What are the best liability limits?
- Is my vehicle covered for flood damage?
- Can I afford to buy a different vehicle if my vehicle is totaled?
- Am I covered when delivering products for my home-based business?
- How can I get high-risk coverage after a DUI?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form.
But don’t I need an insurance agent?
Certain consumers just want to talk to a local agent and that is just fine! The biggest benefit of comparing insurance prices online is you may find the best rates but still work with a licensed agent.
By using this simple form, your insurance coverage information is submitted to agents in your area who will compete for your business. You never need to visit any agencies because quoted prices will be sent directly to your email. How’s that for easy! You can find the lowest rates and a licensed agent to work with.
Selecting a company requires more thought than just the price. These questions are important to ask:
- Does the agency have a good rating with the Better Business Bureau?
- Do they regularly work with personal auto policies?
- Is assistance available after office hours?
- Can they give you a list of client referrals?
- What insurance company do they write the most business with?
- If they are an independent agency, which companies do they recommend?
- Are they full-time agents?
- How are claims handled?
What types of insurance agents are in Lewisville?
If you’re trying to find a good Lewisville insurance agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies in Lewisville are either independent (non-captive) or captive.
Captive Agents
Captive agents can only write with one company and examples are American Family, State Farm and Allstate. Captives cannot place coverage with different providers so they have no alternatives for high prices. They are usually quite knowledgeable in insurance sales and that can be a competitive advantage. Some people will only buy from captive agents partially due to the prominence of the brand and the convenience of having all coverages with one company.
The following are Lewisville captive insurance agencies that are able to give price quotes.
- Allstate Insurance – 413 E Round Grove Rd # 102 – Lewisville, TX 75067 – (972) 315-9118
- Farmers Insurance Group – 570 S Edmonds Ln # 103 – Lewisville, TX 75067 – (972) 436-7720
- State Farm Insurance – 297 W Round Grove Rd – Lewisville, TX 75067 – (972) 315-0690
Independent Agencies or Brokers
Independent agents are not employed by any specific company so they have the ability to put coverage with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part.
When shopping rates, we recommend you contact several independent insurance agents to have the most options to choose from.Many can place coverage with smaller companies who may have lower rates.
Shown below is a short list of independent agents in Lewisville that can give you price quote information.
- Direct General Ins Agency – 1288 W Main St – Lewisville, TX 75067 – (972) 956-9136
- Insurance Services – – Lewisville, TX 75067 – (972) 434-7333
- Eddie Hurst Agency – 535 W Purnell Rd – Lewisville, TX 75057 – (972) 221-3354
- PCL Contract Bonding Agency – 417 Oakbend Dr # 150 – Lewisville, TX 75067 – (972) 459-4749
- A-Tex Insurance – – Lewisville, TX 75067 – (940) 320-2277
For a full directory of insurance agents in Lewisville, please view this page.
Upon receiving reasonable responses and a low price estimate, you’ve probably found an insurance agency that can insure your vehicles.
More detailed Texas auto insurance information can be found at the Texas Department of Insurance website. Visitors are able to find out industry alerts, report car insurance fraud, and learn about insurance regulations.