How to Get the Best Price from Grand Prairie, TX Car Insurance Providers

Comparing car insurance rates in Grand Prairie can be a lot of work since picking a good Texas insurance agent is harder than just making a phone call. You need a good agent, but also the best car insurance prices in Grand Prairie.

Consumers have many car insurance agents to purchase coverage from, and although it’s nice to have a choice, having more auto insurance agents makes it harder to find the best rates.

Neighborhood insurance agents

Professional agents can point out coverage gaps and help in the event of a claim. The best thing about getting online price quotes is you can get lower rates but still work with a licensed agent.

Upon completion of this short form, the quote information is immediately sent to local insurance agents in Grand Prairie who will give you bids to get your business. You won’t need to visit any agencies since price quotes are sent to the email address you provide. It doesn’t get any easier!

Picking a car insurance agent should depend on more than just a cheap price. Agents should be asked these questions:

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • What are the financial ratings for the companies they represent?
  • How often do they review policy coverages?
  • Do they carry Errors and Omissions coverage?
  • What insurance companies do they recommend if they are an independent agent?

The type of insurance agent you choose is important

When looking for local Grand Prairie agents, you need to know there are two different agency structures that differ in how they can insure your vehicles. Insurance agencies in Grand Prairie can either be independent or captive. Both types can properly insure your vehicles, but it’s worth learning how they are different since it may influence buying decisions.

Captive Insurance Agents

This type of agents have only one company to place business with such as Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to provide prices from multiple companies so they are skilled at selling on more than just price. These agents are trained well on their company’s products which can be an advantage. Consumers sometimes choose to use a captive agent primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.

Shown below is a list of captive insurance agents in Grand Prairie that can give you comparison quotes.

  • State Farm Insurance – 721 E Marshall Dr # 1 – Grand Prairie, TX 75051 – (972) 264-8755
  • Allstate Insurance – 615 Small Hill Dr # 104 – Grand Prairie, TX 75050 – (972) 262-9098
  • Farmers Insurance Group – 626 Dalworth St – Grand Prairie, TX 75050 – (972) 264-4457
Independent Insurance Agents

Independent insurance 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 don’t have to find a new agent.

When shopping rates, it’s a good idea to contact at least one independent agent for maximum quote selection.Most can insure with smaller companies which can be an advantage.

The following are independent insurance agencies in Grand Prairie willing to provide price quote information.

  • USA Agency – 2100 N Highway 360 – Grand Prairie, TX 75050 – (972) 623-1688
  • Firemark Insurance Agency – Dfw Office – Grand Prairie, TX 75052 – (972) 647-1222
  • Richard Salinas Insurance – 2321 S Belt Line Rd # 144 – Grand Prairie, TX 75051 – (972) 262-1555
  • Preferred Insurance Specialist – 1001 Hill St – Grand Prairie, TX 75050 – (972) 264-4205
  • Atlas General Agency – 2080 N Highway 360 # 270 – Grand Prairie, TX 75050 – (972) 975-0003

For a complete listing of Grand Prairie insurance agents, go to this page.

Upon receiving satisfactory answers to all your questions and locked in a price quote, you have narrowed it down to an insurance agent that can provide car insurance coverage.

When might I need the advice of an agent?

When choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • Does my car insurance cover rental cars?
  • Do I need added coverage for expensive stereo equipment?
  • Can I afford low physical damage deductibles?
  • How many claims can I have before being cancelled?
  • Is my nanny covered when driving my vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Do I really need UM/UIM coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent.

Does buying direct online save money because there is no agent?

Auto insurance agents are important, but Texas drivers can also buy direct from companies online. Even companies who have local agents in Grand Prairie additionally provide the ability to buy direct on their websites, and consumers should do that if you don’t want to take the time to contact agents.

If you’re uncomfortable with selecting your own policy coverages when shopping online, that is normal but is not a big issue. Online insurance companies that allow you to purchase coverage all have toll-free customer service for getting the best coverage. Also available are extensive coverage information and 24/7 assistance that you can use if you have questions.

Are online premiums lower? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there are many things that determine the price you pay. Some people will tell you that purchasing direct online saves the cost of an agent commission. But the reality is promoting brand recognition is pricey and this tends to eat up any savings.

Final thoughts

Affordable car insurance is definitely available online in addition to many Grand Prairie insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.

Consumers leave their current company for a number of reasons such as delays in paying claims, not issuing a premium refund, policy non-renewal or even high rates after DUI convictions. It doesn’t matter why you want to switch finding a new car insurance company is not as hard as you think.

Texas auto insurance

Online resources for education

Even more information is located at the Texas Department of Insurance website. Texas drivers can find a variety of consumer forms, read consumer alerts, view agent and company licensing information, and get help finding coverage.