Looking for Low Cost Insurance Rates in Plano, Frisco and North Dallas?

For the best deals on low cost auto insurance and low cost home insurance, an independent agency is the place to look. Independent agencies provide coverage from several different companies, so they can offer some great rates.Tri-Star Insurance is an independent agency and can help you put together affordable coverage for everything in your life- auto, home and other specific coverages you may need.

Combining coverages with a reputable agency like Tri-Star Insurance can save you money on your overall insurance costs. When you work with Tri-Star Insurance, you can depend on John Coyle and his associates to put together the best insurance package for your needs at a rate that will suit your budget. For low-cost insurance rates and low-cost home insurance rates, call 214-387-0600 or call toll-free at 1-800-880-4600  today and find out how Tri-Star Insurance can help you save money on your insurance needs.

Did you know that your insurance rates are affected by several different factors including your credit rating, past insurance claims and your driving record? It's tough to find low cost auto insurance with a poor driving record, but are you aware that your credit rating works for you or against you when you are shopping around? The same goes for low cost home insurance- for some companies good credit equals lower premiums.

Most auto insurance companies, and now home insurance companies, consider your credit score when they determine your premium - or even whether or not you can get coverage at all. It's a bit controversial, but insurance companies believe that poor credit means you are more likely to file insurance claims. Whether it's fair or not, insurance is all about risk and the theory is that if you are a poor credit risk, you may be a financial risk to the insurance company. The good news is that 2/3 of policyholders have lower premiums because they have good credit scores. It is becoming more common for low cost home insurance premiums to be based, in part, on credit score as well, so you are really much better off to keep your credit score as high as possible.

Your driving record can also affect your ability to get low cost auto insurance. Insurance companies use a point system to help them determine premium rates. The more violations or accidents you have, the higher your rate is going to be. Many companies are moving toward absolving the first at fault accident you have, but this is not the standard, so shop around.

Both auto insurance and home insurance are affected by past claims made, although the purpose of having insurance is for just that. When you have more than one type of insurance through the same company, you may receive a preferred customer discount. Some companies will eliminate this combined discount if you have any sort of claim in a set number of years. Different companies have different criteria they use in determining premium and coverage, so you need to place this question to your agent. Tri-Star Insurance can answer all of your questions regarding how past claims will affect your rate.

Many other factors are taken into consideration when an insurance company determines your coverage and rates. Because Tri-Star Insurance is an independent agency with several different companies, they can provide you with both low cost auto insurance and low cost home insurance. Call 214-387-0600 or toll-free at 1-800-880-4600 today to find out more about how you can start saving money today with Tri-Star Insurance in Plano, Frisco, and North Dallas.