Low-Cost Insurance in North Dallas, Plano, and Frisco

With a vast assortment of insurance plans on the market, it can sometimes be frustrating to find a package that fits your needs at a reasonable price. If you are looking for low-cost insurance in the North Dallas, Plano, or Frisco areas, then let Tri-Star Insurance Professionals aid you in finding just the right combination of personalized insurance coverage at just the right cost. To ensure that you will receive maximum coverage at the most competitive price, Tri-Star plays to its strengths as an independent agency, versus a captive insurance agency, to find you the best option available.

What is the difference between an independent agency and a captive agency?

A “captive” insurance agency is just what it sounds like. Agents are a captive of the company they work for which means they exclusively represent that company. They can only provide you with the rates that their agency offers with no exceptions. There are many easily recognizable captive agencies such as State Farm, Allstate, and MetLife.

On the other hand, an “independent” insurance agency represents numerous companies. Independent insurance agents, or brokers as they are commonly called, can research what the top insurance companies offer and let you choose the rates and coverage that is best for you. Basically, they are free to do business with any carrier in order to find a package that is tailored to your needs. By working with an independent agent, you have more choices available than just what a single company offers.

How Can I Lower The Cost of My Insurance?

In order to lower their insurance costs, many people choose to ask for a higher deductible. Deductibles are what you are required to pay before your insurance policy kicks in. By asking for a higher deductible, you can save more on your monthly premiums, but the potential for out-of-pocket expenses is much greater. For example, if your deductible is $2000, a trip to the emergency room, or even a minor surgical procedure may require you to pay the whole cost up front. If doing that would plunge you into severe financial strain, then requesting a higher deductible is unwise.

Many people also decide to minimize the amount of coverage they currently have with a policy in order to save money.  “That’s not necessary”, says John Coyle, agent at Tri-Star Insurance, "there are legitimate ways you can retain decent coverage while not draining your pocketbook". Prices vary from company to company, so shop around for the best rates. That is where an independent agency such as Tri-Star in Plano - Frisco - North Dallas can come in handy, because they will do all the legwork for you by researching to find the most affordable plan available. Also, by combing packages such as auto and home insurance, you may receive a multi-policy discount.

If you are looking for the best in low-cost insurance, call John Coyle or one the talented associates at Tri-Star Insurance today at 1-800-880-4600, or visit www.tristarinsurancepros.com.