How We're Different
Most insurance agencies sell policies. We help you make smarter coverage decisions that lead to fewer bad surprises. Here's what that actually means.
We Spread Love Through Insurance
That's not marketing fluff. It's our actual mission, and it changes everything about how we work.
Our mission: We love and serve people by helping them make better coverage decisions—decisions that lead to smarter coverage and fewer bad surprises.
This means we prioritize your understanding over quick sales. We tell you uncomfortable truths about coverage gaps. We explain what you're actually buying. And we help you avoid the bad surprises that come from cheap policies or missing coverages.
TCDS vs. Typical Insurance Agencies
TCDS Insurance Agency
Mission-Driven Approach
Education First
We explain what you're buying, why it matters, and what happens if you don't have it
Uncomfortable Truths
We tell you when state minimum coverage is dangerously inadequate, even if it means a higher premium
Real Pricing Published
We publish actual cost ranges on our website so you know what to expect before you call
5 Self-Service Tools
Coverage calculator, gap assessment, cost estimator—use them before you talk to anyone
50+ Carriers Compared
We shop your coverage across 50+ carriers to find the best rate and coverage for your situation
Alabama Roots & Values
Local, independent agency serving Alabama families and businesses since 2009
Typical Insurance Agencies
Sales-Driven Approach
Quote and Close
Get you a price, get you signed, move to the next customer
Sell What's Cheap
Focus on low premiums to win the sale, even if coverage is inadequate
Hidden Pricing
"Call for a quote"—no transparency until you're on the phone with a salesperson
No Self-Service Options
You have to call and talk to someone to get any information
Limited Carrier Access
Captive agents sell one carrier; even independent agents often only quote 3-5 carriers
Corporate or Franchise
National chains or franchises with standardized sales scripts and quotas
What This Means For You
We explain what you're buying in plain English. You'll know what's covered, what's not, and what happens if you file a claim. No surprises at claim time.
We'll tell you when state minimum coverage is inadequate, when you need flood insurance, and when your liability limits are too low. Even if it means a higher premium.
We compare 50+ carriers to find the best combination of price and coverage. You're not locked into one company's rates or underwriting rules.
We're a local Alabama agency, not a national call center. You'll work with the same people every time, and we'll remember your situation.
Recognized for Excellence
We were named 2023 Agency of the Year by the Alabama Insurance Alliance—recognition that our mission-driven approach delivers real results for Alabama families and businesses.
Experience the Difference
See what it's like to work with an agency that puts your understanding and protection first.
Or call us at (205) 847-5616