Shopping online for Denton auto insurance can seem complicated if you’ve never compared online price comparisons. But relax because finding affordable coverage online is easier than you think.
Denton Auto Insurance Quote Comparison
Most major insurance companies such as State Farm, Geico and Progressive quote coverage price quotes on their websites. Getting quotes is quite easy as you simply enter the coverages you want into the quote form. After you submit the form their rating system makes automated requests for reports for credit and driving violations and gives you a price quote determined by many factors.
Online quotes helps simplify price comparisons, but the work required to visit each company’s website and repetitively type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to perform this step if you are searching for a lower rate.
The better way to compare rates
A quicker way to get multiple rate quotes requires only one form that analyzes rates from many companies. It’s a real time-saver, helps eliminate reptitive entry, and makes price shopping online much more enjoyable and efficient. Immediately after you send the form, it gets priced and you can choose any one of the quotes returned.
If you find a better price you can click and sign and purchase coverage. This process only takes a few minutes and you will find out if you’re overpaying now.
To quickly compare rates now, simply click here to open in new window and enter your information. If you have your current policy handy, we recommend you input the limits and deductibles as close as possible to your current policy. Doing this assures you will get comparison quotes based on similar coverages.
How much can you save with discounts?
Insurance can cost an arm and a leg, but there could be available discounts to cut the cost considerably. Some discounts apply automatically at quote time, but less common discounts must be asked for before you get the savings.
- Accident Waiver – A few companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a set time period.
- College Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
- Organization Discounts – Being a member of a civic or occupational organization is a good way to get lower rates on auto insurance.
- Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
- Discount for Good Grades – This discount can save 20 to 25%. This discount can apply up to age 25.
- Seat Belts Save – Drivers who require all occupants to use their safety belts could cut 10% or more off the personal injury premium cost.
- Government Employees – Employees or retirees of the government can earn a discount up to 10% depending on your company.
Consumers should know that most credits do not apply to your bottom line cost. Most cut specific coverage prices like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will cut the cost of coverage.
To choose insurance companies with the best auto insurance discounts in Denton, click here.
What happened to insurance agents?
Certain consumers would prefer to get advice from a local agent and that is just fine! 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 especially in Denton.
To find an agent, once you fill out this quick form, your coverage information is immediately sent to participating agents in Denton who will compete for your insurance coverage. You won’t need to even leave your home since price quotes are sent to your email. Now that’s easy! Get lower rates AND a local agent.
Pick the best insurance agent in Denton for you
When finding a reliable agent, you must know there are a couple types of agencies that you can select. Denton agents can either be independent or captive.
Independent Agents (or Brokers)
Independent insurance agents do not work for one specific company so they have the ability to put coverage with any number of different companies depending on which coverage is best. If your agent finds better pricing, your agent can switch companies and you won’t have to switch agencies.
When shopping rates, it’s recommended you include price quotes from several independent insurance agents for maximum quote selection. Many write coverage with different regional companies who may have lower rates.
The following is a list of independent insurance agents in Denton willing to provide price quotes.
- Wade Hunt Agency – 3507 Teasley Ln – Denton, TX 76210 – (940) 591-8581
- Metroplex Agency Insurors – 900 S Interstate 35 E – Denton, TX 76205 – (940) 387-8575
- Guy W Jones Insurance – 1421 N Elm St # 100 – Denton, TX 76201 – (940) 566-0377
- Heritage Specialty Insurance – 207 W Hickory St # 206 – Denton, TX 76201 – (940) 243-1900
- Tim Shoopman Agency – 1004 N Locust St – Denton, TX 76201 – (940) 383-2614
Captive Insurance Agents
These agents can only write with one company and some examples include American Family, Liberty Mutual and AAA. They usually cannot provide prices from multiple companies so they are skilled at selling on more than just price. These agents are well schooled in insurance sales and that can be a competitive advantage. Some consumers prefer to buy from captive agents partially due to high brand loyalty and the convenience of having all coverages with one company.
The following are Denton captive agents willing to provide price quotes.
- Farm Bureau Insurance – 3201 E University Dr – Denton, TX 76208 – (972) 434-7340
- Farmers Insurance Group – 116 Eagle Dr # C – Denton, TX 76201 – (940) 382-0671
- Allstate Insurance Companies – 2000 Denison St – Denton, TX 76201 – (940) 591-1587
- State Farm Insurance – 4851 S Interstate 35 E # 103 – Denton, TX 76210 – (940) 498-0370
For a complete listing of auto insurance agents in Denton, please view this page.
Selecting an auto insurance agent requires more thought than just a low price. These are valid questions to ask:
- Are you getting all the discounts the company offers?
- Do they feel the quoted coverages are adequate?
- Are they properly licensed to sell insurance in Texas?
- Is assistance available after office hours?
- If your car is totalled, how to they determine the replacement cost?
- Is working in the agency their full-time job?
- How are they compensated?
After receiving reasonable responses as well as a affordable price, chances are good that you have found a car insurance agent that meets your needs to adequately provide auto insurance.
Situations that might require an agent
When buying coverage, there really is no one size fits all plan. Everyone’s needs are different.
Here are some questions about coverages that can help discover whether or not you would benefit from an agent’s advice.
- What are the financial responsibility laws in Texas?
- Do I have coverage when using my vehicle for my home business?
- Is my vehicle covered for smoke damage?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Does my policy cover me when driving someone else’s vehicle?
- When would I need additional glass coverage?
- What if I total my vehicle and owe more than it’s worth?
- Should I buy more coverage than the required Texas minimum liability coverage?
- Should I have combined single limit or split liability limits?
- If my vehicle is totaled, can I afford another vehicle?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form.
Understand what determines the rate you pay
An important part of buying insurance is that you know the rating factors that play a part in calculating the rates you pay for auto insurance. Understanding what influences your rates helps enable you to make changes that can help you get lower auto insurance prices.
- Add-on coverages can add up – There are many additional coverages that can waste your money on your auto insurance policy. Insurance for rental car reimbursement, accident forgiveness and term life insurance are some examples. These coverages may sound good when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
- Males pay more for insurance – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women are in accidents at a similar rate, but the males cause more damage. They also receive more costly citations such as DWI and reckless driving. Young males tend to get in the most accidents and therefore have the most expensive auto insurance rates.
- Do you know your deductibles? – Deductibles for physical damage represent how much money you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered could be colliding with a building, vandalism, and burglary. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance.
- Lower rates with optional equipment – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
- Marriage pays dividends – Having a wife or husband can get you a discount on your policy. Marriage is viewed as being more responsible and it’s proven that being married results in fewer claims.
- Your auto insurance rates can be influenced by your job – Did you know your occupation can influence how much you pay for auto insurance? Occupations like doctors, architects and stock brokers tend to have the highest rates attributed to high stress levels and lengthy work days. On the other hand, occupations such as actors, students and performers receive lower rates.
- Proper usage rating affects rates – The more you drive in a year the higher your rates will be. Most companies apply a rate based on how the vehicle is used. Autos that are left in the garage receive lower rates compared to those used for work or business. Verify your auto insurance policy is rated on the correct driver usage, because improper ratings can cost you money.
- Protect yourself with liability coverage – Liability coverage will protect you if you are found to be at fault for damages caused by your negligence. It will provide for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
Can you really save that much by switching?
Auto insurance providers like State Farm, Geico and Progressive continually stream ads on TV and radio. They all make an identical promise that you can save after switching to them. How can each company say the same thing?
Insurance companies are able to cherry pick for the right customer they prefer to insure. A good example of a profitable customer might be profiled as between 25 and 40, insures multiple vehicles, and drives newer vehicles. Any driver who meets those qualifications is entitled to the best price and therefore will save quite a bit of money when switching.
Drivers who fall outside the “perfect” profile will be charged higher premiums which leads to the customer not buying. The ads state “drivers who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can state the savings.
That is why drivers should get a wide range of price quotes. Because you never know the company that will provide you with the cheapest rates.
Best coverage at the best price
When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. In many instances, an insured cut full coverage only to find out they didn’t have enough coverage. The ultimate goal is to buy enough coverage for the lowest price, not the least amount of coverage.
We just presented a lot of tips how to reduce auto insurance prices online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from the smaller companies.
Cheaper auto insurance can be found from both online companies and also from your neighborhood Denton agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers may not provide online quoting and most of the time these regional insurance providers sell through independent agents.
More consumer information in Texas
Additional information can be found on the Texas Department of Insurance website found here. Texas drivers can find a variety of consumer forms, read enforcement actions against agents and companies, and discover disciplinary actions.