Insider Advice on Lower Irving, TX Auto Insurance

If you are a novice to online auto insurance shopping, you can be overwhelmed by the sheer number of online auto insurance companies and websites offering coverage in Irving.

Low Cost Irving Auto Insurance

To find the best auto insurance prices, there are several ways to compare quotes from auto insurance companies in your area. The easiest way to find the lowest rates is to perform an online rate comparison. This can be done in several different ways.

1. The best way to find low rates is an all-inclusive rate comparison click here to open form in new window. This form saves time by eliminating separate forms for each company you want a rate for. One simple form compares rates direct from many companies. Just one form and you’re done.
2. A slightly less efficient method to compare prices consists of visiting the website of each company and fill out their own quote form. For examples sake, we’ll pretend you want rates from GEICO, Progressive and State Farm. To get rate quotes you would need to visit each site to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in Irving, click here.
3. The hardest way to get comparison rates is to drive around to and from local Irving insurance agencies. The ability to buy insurance online can eliminate the need for a local agent unless you require the professional advice of a licensed agent. However, consumers can comparison shop your insurance online and get advice from an agent in your area and we’ll talk about that later.

However you get your quotes, make darn sure you compare the exact same coverage limits on every quote you get. If the quotes have different values for each quote you can’t possibly find the best deal in Irving. Slightly different coverage limits may cause a big price difference. And when price shopping your coverage, quoting more helps you find a lower rate.

Don’t miss out on these money-saving discounts

Insuring your vehicles can cost a lot, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied when you complete an application, but a few must be manually applied prior to getting the savings.

• Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
• Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.
• No Claims – Claim-free drivers can earn big discounts when compared to accident-prone drivers.
• Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and will save you 10% or more.
• Senior Citizens – If you’re over the age of 55, you can possibly qualify for a discount up to 10%.
• Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.

Consumers should know that most credits do not apply to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, companies wouldn’t make money that way. Any qualifying discounts will cut your premiums.

To see a list of insurers offering auto insurance discounts in Irving, click this link.

Are insurance agents obsolete?

Some consumers prefer to buy from a licensed agent. The biggest benefit of price shopping on the web is you can get the lowest rates and still have an agent to talk to. And supporting local insurance agencies is important especially in Irving.

Once you complete this simple form, the quote information is submitted to participating agents in Irving who will battle for your business. You won’t need to drive around because quoted prices will be sent directly to your email. How’s that for easy! It’s the lowest rates AND an agent nearby.

Different types of Irving car insurance agents

When finding a good Irving insurance agent, there are two types of insurance agents that differ in how they can insure your vehicles. Insurance agencies in Irving are either independent (non-captive) or captive.

Independent Agents (or Brokers)

Independent agencies do not work for one specific company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and you don’t have to find a new agent. When searching for an agent, it’s recommended you include several independent insurance agents to ensure the widest selection of prices.Many can place coverage with different regional companies who may have lower rates.

Below is a short list of independent agencies in Irving that may be able to provide price quotes.

• Nationwide Insurance – 5800 Campus Circle Dr E – Irving, TX 75063 – (972) 650-5218
• David Mullis Agency – 4925 N O Connor Rd # 125 – Irving, TX 75062 – (972) 986-1100
• N C Agency – 2425 Salmon St – Irving, TX 75062 – (817) 538-8888
• Ken Mc Kinley Insurance – 128 E 2nd St – Irving, TX 75060 – (972) 253-3700
• Keith White Agency – 1912 Anna Dr – Irving, TX 75061 – (972) 721-1511

Captive Agents

This type of agents can only place business with one company like Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. These agents are well schooled on their products and sales techniques which can be an advantage. Consumers frequently buy from captive agents mainly due to loyalty to the company and strong financial ratings.

Listed below are captive agencies in Irving who can help you get comparison quotes.

• Liberty Mutual Insurance – 2100 W Walnut Hill Ln # 100 – Irving, TX 75038 – (972) 550-7899
• Farmers Insurance Group – 5525 N Macarthur Blvd # 280 – Irving, TX 75038 – (972) 518-1208
• State Farm Insurance – 210 S O Connor Rd – Irving, TX 75060 – (972) 253-1966
• Allstate Insurance – 425 W Airport Fwy # 201 – Irving, TX 75062 – (972) 256-4000

For a complete listing of captive agents in Irving, visit this site.

Picking an insurance agent should depend on more than just the premium amount. Here are some questions to ask:

• How long has their agency been open in Irving?
• Does the agency have a good rating with the Better Business Bureau?
• Is vehicle damage repaired with OEM or aftermarket parts?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Did they already check your driving record and credit reports?
• Which company do they place the most coverage with?
• Do they make recommendations based only on price?
• Can glass repairs be made at your home?

Upon getting positive responses to these questions and an affordable coverage quote, you’ve probably found an auto insurance agent that will properly service your auto insurance policy.

Much more information about auto insurance in Texas can be found on the Texas Department of Insurance website found here. Texas consumers can download brochures, discover disciplinary actions, and get help finding coverage.

The best insurance company isn’t always the cheapest

We covered many ways to save on auto insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest premiums are with some of the smallest insurance companies.

When you buy insurance online, you should never skimp on coverage in order to save money. In too many instances, someone sacrificed uninsured motorist or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage at a price you can afford.

Cost effective auto insurance is definitely available from both online companies as well as from independent agents in Irving, and you should compare price quotes from both to have the best rate selection. A few companies don’t offer online price quotes and these small insurance companies work with independent agents.