Comparing car insurance rates in Flower Mound can be a lot of work since selecting the best Flower Mound car insurance agent for your needs is harder than just calling the closest agent. It’s likely you’re not only searching for a good professional insurance agent, but you also need the lowest possible price.
With Farmers, Allstate, and independent agents all competing for business in Flower Mound, consumers have a hard time knowing which provider will provide the cheapest rates and the best coverage. To help decide, consumers can use online price quotes to assemble a group of insurance agents and thier coverage prices.
Your local neighborhood insurance agent
Insurance agents are trained to spot inefficiencies and help you file claims. One of the best bonuses of comparing rates online is you may find better rates but still work with a licensed agent. And supporting small agencies is important particularly in Flower Mound.
After completing this simple form, your insurance data is immediately sent to participating agents in Flower Mound who will return price quotes for your business. You won’t need to drive around because quoted prices will be sent to your email. How cool is that?! You’ll get the best rates AND an agent nearby.
Independent or Captive: It’s your choice
When finding a good insurance agency, there are two different agency structures from which to choose. Agencies in Flower Mound are either captive or independent.
Independent Insurance Agents
Independent agents are not required to write business for one company so they can insure your vehicles with multiple insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and you won’t have to switch agencies.
When comparing rates, it’s recommended you contact at least one independent agent to get the best comparison.
Shown below is a short list of independent agents in Flower Mound that can give you rate quotes.
Phillips Insurance Svc – 3535 Firewheel Dr # F – Flower Mound, TX 75028 – (972) 355-5343
Duke Agency Inc – 2980 Long Prairie Rd # D – Flower Mound, TX 75022 – (972) 355-3355
Rick Beardsley Insurance – 1001 Cross Timbers Rd – Flower Mound, TX 75028 – (972) 874-1155
Captive Agents
Captive agencies can only write with one company and examples are American Family, State Farm and Allstate. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. Captive agents are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage.
Listed below is a short list of captive insurance agents in Flower Mound who can help you get comparison quotes.
Allstate Insurance – 3401 Cross Timbers Rd # 200 – Flower Mound, TX 75028 – (972) 691-6405
State Farm Insurance – 2001 Cross Timbers Rd # 106 – Flower Mound, TX 75028 – (972) 874-8801
Farmers Insurance Group – 2612 Timberhaven Dr – Flower Mound, TX 75028 – (972) 539-9186
For a full directory of captive agencies in Flower Mound, click here to link.
Deciding on an auto insurance agent should depend on more than just the price. Any agent should have no problem answering these questions:
- Is working in the agency their full-time job?
- Are they able to influence company decisions when a claim is filed?
- How much can you save by raising your physical damage deductibles?
- If you are a high risk driver, do they have special markets for your coverage?
- Which insurance companies are they affiliated with?
- Does the agency support the community they serve?
Upon getting positive responses to these questions as well as a affordable price, most likely you have located an insurance agent that will properly service your car insurance policy.
Can you save by buying online?
Insurance agents are important, but you also have the option of buying from companies direct over the internet. Even companies who sell through agents in Flower Mound also allow you to get quotes and purchase online, so keep that in mind if the lowest rate is your goal.
If you’re anxious about whether or not you’ll have guidance, don’t be too concerned. Car insurance companies that allow you to purchase coverage provide options you can use to get advice on coverages. Consumers also can use live help and 24/7 access to help you answer questions.
Do online companies have better rates? Many people think so, but it’s hard to say for sure due to the fact that there are multiple individual factors that influence your rates. It’s often assumed that shopping direct cuts out the agent as a middleman. For most online online companies, however, advertising and marketing take a lot of money and those expenses can offset most of the savings by selling direct.
Online resources for education
Additional information can be found on the website for the Texas Department of Insurance found here. Consumers can view agent and company licensing information, find out which companies have the most complaints, and read consumer alerts.
Other informative sites include Auto Insurance 101 and this link which helps you find a Flower Mound agent.
Online plus local equals savings
As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. In many instances, drivers have reduced full coverage only to find out that the few dollars in savings costed them thousands. Your goal should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.
Affordable car insurance is possible on the web and also from your neighborhood Flower Mound agents, and you need to comparison shop both so you have a total pricing picture. Some companies may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.