The preferred way to find the cheapest price for auto insurance rates in Plano is to do a yearly price comparison from insurance carriers who sell insurance in Texas.
Step 1: Try to learn about how insurance works and the steps you can take to lower rates. Many things that cause high rates like tickets, at-fault accidents, and a substandard credit score can be rectified by improving your driving habits or financial responsibility.
Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO or State Farm, while independent agents can provide price quotes from multiple insurance companies. Click to view companies
Step 3: Compare the price quotes to your existing policy and see if you can save money. If you find a lower rate quote and change companies, make sure coverage is continuous and does not lapse.
One key aspect when comparing rates is to use identical coverages on every quote and and to get price estimates from as many carriers as you can. This provides a fair rate comparison and a thorough price selection.
We don’t have to tell you that insurance companies don’t want you to look at other companies. Drivers who perform rate comparisons are highly likely to buy a different policy because there is a significant possibility of finding a cheaper policy. A study showed that drivers who made a habit of comparing rates saved approximately $850 each year compared to policyholders who never compared other company’s rates.
If finding the most affordable Kia K900 insurance is why you’re reading this, then learning about how to find and compare insurance can save money and time.
Buying the cheapest car insurance in Plano is easy if you know what you’re doing. If you are already insured or just want cheaper rates, you can use these techniques to find better prices without having to cut coverage. Smart shoppers just have to understand the least time-consuming way to compare prices online.
The companies shown below can provide price quotes in Texas. If multiple companies are listed, it’s highly recommended you compare several of them to get the lowest price.
Do I just need basic coverages?
When choosing proper insurance coverage, there really isn’t a best way to insure your cars. Everyone’s situation is a little different.
Here are some questions about coverages that can help discover whether or not you may require specific advice.
- Will my Kia K900 be repaired with OEM or aftermarket parts?
- Should I buy additional glass protection?
- Who is covered when they drive my Kia K900?
- What are the financial responsibility laws in my state?
- Can I drive in Mexico and have coverage?
- What does medical payments cover?
- I don’t drive much so do I pay less?
- At what point should I drop full coverage?
If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.
When to get advice from a local insurance agent
Many people would prefer to get professional advice from a licensed agent and that is recommended in a lot of cases Professional insurance agents can help you build your policy and help in the event of a claim. One of the best bonuses of comparing rate quotes online is that drivers can save money and get cheap rate quotes but still work with a licensed agent.
By using this quick form, the coverage information is immediately sent to local insurance agents that give free quotes to get your business. It makes it easy because there is no need to search for any insurance agencies since rate quotes are delivered directly to your email. If for some reason you want to get a price quote for a specific company, you would need to go to their quote page and complete a quote there.
Finding the right company is decision based upon more than just the price. These are some questions your agent should answer.
- How will an accident affect your rates?
- Can glass claims be handled at your home?
- Is vehicle damage repaired with OEM or aftermarket parts?
- How many years have they been established?
- Do they review policy coverages at every renewal?
- Can they give you a list of client referrals?
- Do they see any coverage gaps in your plan?
- Who are their largest clients?
When looking for a reputable agency, it can be helpful to understand the different agency structures to choose from. Auto insurance policy providers are either independent agents or exclusive agents. Both properly insure your vehicles, but it’s worth learning the difference between them because it may have an impact on which type of agent you select.
Exclusive Auto Insurance Agencies
Exclusive insurance agents generally can only insure with one company and examples are Farmers Insurance or State Farm. Exclusive agencies are unable to provide prices from multiple companies so keep that in mind. Exclusive agencies are trained well on sales techniques which helps them compete with independent agents. Many people choose to use a exclusive agent primarily because of the prominence of the brand and strong financial ratings.
Listed below are exclusive insurance agencies in Plano who can help you get price quote information.
- Allstate Insurance: Brad Williamson
4670 McDermott Rd #206 – Plano, TX 75024 – (972) 867-2778 – View Map
- Brian Slack – State Farm Insurance Agent
8612 Preston Rd d119 – Plano, TX 75024 – (972) 384-2660 – View Map
- Byron Wilkerson – State Farm Insurance Agent
9720 Coit Rd #140 – Plano, TX 75025 – (214) 618-5700 – View Map
Independent Auto Insurance Agents
These agents are normally appointed by many insurers so they have the ability to put coverage through many companies and find you cheaper rates. To transfer your coverage to a different company, the business is moved internally which is easy for the insured. When comparison shopping, you will want to include several independent agencies so that you can do a thorough price comparison. They often place coverage with companies you’ve never heard of that many times have cheaper rates.
Below are Plano independent insurance agencies that are able to give comparison quotes.
- VGW Insurance
4040 McDermott Rd #200 – Plano, TX 75024 – (972) 668-1000 – View Map
- Plano, TX Car Insurance – The Gallovich Insurance Agency
1145 14th St #2117 – Plano, TX 75074 – (972) 398-0001 – View Map
- A-Z Insurance Agency
1110 E Parker Rd #106 – Plano, TX 75074 – (972) 200-5070 – View Map
How to find a good Plano auto insurance company
Picking the top car insurance company is difficult considering how many choices there are in Plano. The company ratings shown next may help you pick which providers you want to consider when looking for cheaper rates.
Top 10 Plano Car Insurance Companies Ranked by Value
- Mercury Insurance
- American Family
- AAA Insurance
- Safeco Insurance
- The Hartford
- The General
- 21st Century