How TCDS Works For You
How TCDS Works With You
1. Understand the request
Tell us about the coverage you want to compare, the people or property involved and when you need coverage. Have your current declarations and renewal date available when possible. Share sensitive details through the appropriate secure process.
2. Compare eligible options
TCDS compares eligible insurance options for your state, product and underwriting profile. Availability is not the same for every shopper, and no comparison guarantees a lower premium. We explain material differences in limits, deductibles, exclusions and premium so you can compare the actual offers. A low price does not establish equivalent protection.
3. Confirm the policy details
Review the selected insurer's application and policy terms, payment requirements and effective-date confirmation. A quote request is not proof of insurance. If replacing coverage, confirm any lender requirements and coordinate the effective dates before requesting cancellation.
4. Get help after the quote
Contact the agency with coverage or service questions. For an existing claim, follow the reporting instructions in your policy; the insurer determines coverage and claim payments. We can help explain the process and identify the appropriate contact.
Our service commitment
Tell us if you have a service concern. We can review it with you, explain the available next steps and help you obtain the applicable written terms. A service request does not cancel a policy or guarantee a refund. Read the service commitment and original written document.
Request a comparison or contact TCDS.
Frequently Asked Questions
How long does the insurance comparison process take?
Our initial discovery call typically takes about 15-20 minutes. After that, our team gets to work shopping our network of eligible carriers. We can often present you with a side-by-side comparison of your best options within the same business day, depending on the complexity of your needs.
Is TCDS Insurance a fully online agency?
We offer the best of both worlds! You can complete the entire process from quote to coverage online or over the phone. However, as a local Alabama agency, we also have physical offices in Pinson, Pelham, and Cullman for clients who prefer in-person service. We're here to work with you in the way that's most convenient for you.
What does 'independent agency' actually mean for me?
As an independent agency, we aren't tied to any single insurance company. This means our loyalty is to you, our client. We have the freedom to shop dozens of carriers to find the best combination of coverage and price for your specific situation, rather than being limited to the products of one company.
What happens if I need to file a claim?
You're not alone. TCDS is your first call. We act as your advocate with the insurance company, guiding you through the claims process, ensuring everything is filed correctly, and working to get your claim settled fairly and promptly. This claims advocacy is a core part of our ongoing service.
What is the TCDS Money-Back Guarantee?
Tell us if you have a service concern. We can review it with you, explain the available next steps and help you obtain the applicable written terms. A service request does not cancel a policy or guarantee a refund. Read the service commitment page for the original written document and policy-specific cancellation questions.