When buying car insurance in Denton, there are a lot of options and selecting the best Denton auto insurance agent for your needs is not as easy as just using the same insurance agent as your neighbor. You require a friendly agent, and also want to find cheap rates.
Lots of auto insurance agents contend for your insurance dollar, and it can be difficult to compare rates to find the lowest rate possible.
Best way to find Denton agents
Agents can answer important questions and give you peace of mind. The best thing about comparing rates online is you may find the lowest rates but also keep your business local.
After filling out this form (opens in new window), the quote information is submitted to insurance agents in Denton who will compete to get your business. You won’t need to leave your house since price quotes are sent directly to your email. Now that’s easy! You can find better rates AND an agent nearby.
Selecting an auto insurance agent needs to be determined by more than just the price. Any agent should be forthright in answering these questions:
- What will you get paid if your car is a total loss? How is that amount determined?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- How are claims handled?
- Which members of your family are coverage by the policy?
- Is working in the agency their full-time job?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How are they compensated?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
Below are Denton auto insurance agents that may be able to provide comparison quotes.
- Farm Bureau Insurance – 3201 E University Dr, Denton, TX 76208 – (972) 434-7340
- Jim Woolverton Insurance – 601 N Carroll Blvd # A, Denton, TX 76201 – (940) 382-8031
- Allstate Insurance – 301 Dallas Dr # A, Denton, TX 76205 – (940) 565-8100
- Gene Gamble Agency – 102 N Locust St # B, Denton, TX 76201 – (940) 387-7772
- State Farm Insurance – 4851 S Interstate 35 E # 103, Denton, TX 76210 – (940) 498-0370
- Hutcherson Insurance Svc – 1212 N Locust St, Denton, TX 76201 – (940) 382-9696
- Farmers Insurance Group – 116 Eagle Dr # C, Denton, TX 76201 – (940) 382-0671
For a full directory of insurance agents in Denton, go to this page.
Once you have received acceptable answers for all questions you ask and an affordable coverage quote, you’ve probably found an insurance agent that will insure your vehicles.
Don’t exclude online companies
Insurance agencies are a valuable resource, but you can also buy Texas car insurance direct online. Certain companies like State Farm and Allstate who have local Denton agents also give you the option to quote and buy online, and that is helpful.
If you’re apprehensive about not having professional advice, that is normal but is not a big issue. Insurance companies all provide contact methods to answer any questions you may have. Most companies also provide online education and live help anytime to clarify any questions you may have.
The best approach to find out whether prices are lower online or from agents is to get price quotes for both. It’s possible to get different rates comparing agents to online prices for the exact same company. But you can’t find out whether online or agents have the lower rates unless you compare quotes for identical coverages both ways.
Can online rates save money? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since companies use quite a few components that determine your policy premium. It’s often assumed that buying direct saves by not paying a commission. But truthfully, there are high advertising and marketing costs and those expenses can offset most of the savings by selling direct.
In Summary
People who switch companies do it for many reasons like unfair underwriting practices, not issuing a premium refund, denial of a claim and policy cancellation. It doesn’t matter why you want to switch choosing a new insurance company can be less work than you think.
While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where an insured dropped uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to find the BEST coverage at a price you can afford, not the least amount of coverage.
More tips and info about car insurance is located at the Texas Department of Insurance website. Consumers can read consumer alerts, read state legal mandates and laws, learn about specific coverages, and learn about insurance regulations.