How to Compare Car Insurance Rates From Arlington, TX Insurance Providers

When pricing car insurance in Arlington, Texas, choosing the right Arlington insurance agent takes more work than just calling the closest agent. Chances are good that not only do you want a professional licensed agent, but you also want the best rates possible.

With insurance companies like State Farm, Allstate and Farmers Insurance having local Arlington offices, consumers have a hard time knowing which auto insurance agent will provide the cheapest rates and the best coverage. To begin, consumers can get online price quotes to assemble a group of insurance agencies from which to choose.

What is the best insurance coverage?

When buying the best car insurance coverage, there is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

  • Do all my vehicles need collision coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Why does it cost so much to insure a teen driver in Arlington?
  • Exactly who is provided coverage by my policy?
  • What should my uninsured motorist coverage limits be in Texas?
  • When should I not file a claim?
  • Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent.

Car Insurance from Arlington insurance agents

Licensed agents can point out coverage gaps and help submit paperwork. One of the great benefits of getting online price quotes is that you can obtain lower rates and still choose a local agent. And providing support for local businesses is important particularly in Arlington.

For easy comparison, once you complete this short form, your coverage information is submitted to local insurance agents in Arlington who will battle for your business. You never need to leave your house due to the fact that quote results will go straight to your inbox. Now that’s easy! You can find the lowest rates AND a local agent.

The different types of insurance agents

When looking for a local agent, you need to know there are two different agency structures that you can select. Agencies in Arlington can either be captive or independent.

Independent Agents (or Brokers)

Independent insurance agents are not locked into one company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, you should always get quotes from several independent insurance agents to get the best comparison.

Listed below is a short list of independent insurance agents in Arlington willing to provide competitive price quotes.

Davis Agency – 6201 Matlock Rd # 137 – Arlington, TX 76002 – (817) 417-8700
Ken Gourley Agency – 1400 W Mayfield Rd # 320 – Arlington, TX 76015 – (817) 468-2805
Guide One Insurance – 300 W Arbrook Blvd # A – Arlington, TX 76014 – (817) 465-1441
Faulkner Insurance – 408 S Main St # A – Arlington, TX 76001 – (817) 473-4468
Patrick Sella Agency – 2221 E Lamar Blvd – Arlington, TX 76006 – (817) 640-7022

Captive Insurance Agents

Captive agencies write business for a single company like State Farm, AAA and Liberty Mutual. They are unable to place coverage with different providers so always compare other rates. Captives are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums.

Listed below is a short list of captive agents in Arlington that can give you price quotes.

Farmers Insurance Group – 901 W Bardin Rd – Arlington, TX 76017 – (817) 468-1000
Allstate Insurance – 430 E Lamar Blvd # J – Arlington, TX 76011 – (817) 861-3422
Southern Farm Bureau Insurance – 2404 Garden Park Ct – Arlington, TX 76013 – (817) 303-8660
Liberty Mutual Insurance – 4025 Woodland Park Blvd – Arlington, TX 76013 – (817) 265-4171
State Farm Insurance – 3705 W Green Oaks Blvd # A – Arlington, TX 76016 – (817) 492-8400

For a complete listing of captive agencies in Arlington, please go to this site.

Choosing an insurance agency shouldn’t rely on just the premium amount. Ask your prospective agent these questions:

  • Will your rates increase after a single accident?
  • Are they full-time agents?
  • Does the agency provide any after hours assistance?
  • Are you getting all the discounts the company offers?
  • Can they give you a list of client referrals?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • How long have they worked with personal auto insurance coverage?

After receiving reasonable responses to your questions in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that meets your needs to properly insure your vehicles.

Does buying direct online get me lower rates?

Car insurance agents serve a purpose, but you also have the option of buying from online companies direct. A few companies who have local agents in Arlington additionally provide the ability to get quotes and purchase online, and online price comparisons are easy if you’re trying to lower your rates.

If you’re uncomfortable with choosing your own coverages when shopping online, don’t let it bother you. All companies have customer service departments you can use to get advice on coverages. Also available are extensive coverage information and 24/7 assistance that you can use before buying.

Is it cheaper to buy car insurance online? It’s hard to say exactly due to the fact that there are multiple individual factors which can adversely affect your policy premium. You may think that shopping direct prevents the agent from taking a cut. For most online online companies, however, marketing expenses are significant so the lack of a commission may be a wash.

If you have the time, the only way to find out if the best rates are online or from local agents is to get price quotes for both. Even though it sounds odd, people frequently get different pricing using an online quote and an agent quote for the same auto insurance company.

More information about car insurance

Additional car insurance information can be read on the website for the Texas Department of Insurance through this link. Visitors are able to file complaints about a company, file complaints about an insurance agent or broker, and read state legal mandates and laws.

The following information may also be useful.

Compare but don’t skimp

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.

Consumers leave their current company for any number of reasons including denial of a claim, questionable increases in premium, lack of trust in their agent or even unfair underwriting practices. It doesn’t matter what your reason, switching car insurance companies can be easier than you think.