Frequently Asked Questions
My premium is too high! What can I do to lower it?
We know insurance can get expensive. Luckily, at Garland Agency our highly trained staff will work with you to manage your premium. There are several factors affecting your premium that can help with your out-of-pocket costs.
1. Deductibles - Raising your deductible is often a great way to lower your premium, especially for high risk drivers. Consider raising your deductible from $100 to $250 or $500. If you are concerned about being in an at-fault accident and not being able to afford a $500 deductible, ask your agent about Vanishing Deductibles. A Vanishing Deductible Package lowers your deductible $100 for every year you are accident free, down to $100.
2. Join the Farm Bureau - Nationwide supports farmers and the Farm Bureau. If you have a premium of over $1,000 yearly in auto insurance, joining the Farm Bureau at only $75 will offer you 10% in savings. It is important to contact your Garland Agency Agent to discuss if this option is best, as it only applies to auto insurance.
3.Bundle your policies - Do you have homeowners insurance? How about tenants or power sports? Even bundling your life insurance with us will typically yield discounts off your policy premium. Customers often think that "shopping" around to different companies will save them money, by getting the lowest rate. However, at Garland Agency, when you have all of your policies with us we can usually get you the best deal.
4. Call Us - A Garland Agency Agent will be able to help you find discounts you may be eligible for that we don't list on our website.
I'm being canceled! What should I do?
If you recieve notice that your insurance is being canceled, call us immediately. The worst thing that can happen is a lapse in coverage, as it will be very difficult to acquire new insurance when companies see a lapse. At Garland Agency we will be able to find you an insurance policy, and we may even be able to stop you from being canceled, depending on the situation. However, it is important to act fast and contact us.
What makes Garland Agency different than other agents?
At Garland Agency, we strive to please. Your business satisfaction is our biggest concern. Our staff maintains your policies so you really know who your agent is. Insurance doesn't seem important until you need it, and when you need it we'll be there. At the Garland Agency we've got your back 24/7.