Question 1

How long does a quote take?

Accepted Answer

Most online quotes are sent back to you within an hour during business hours (Mon-Fri 9 AM - 5 PM Central). Complex commercial or specialty coverage may take a business day while underwriters bind.

Question 2

Does requesting a quote affect my credit score?

Accepted Answer

No. TCDS Insurance Agency performs a soft inquiry only — it does not appear on your credit report and does not affect your score.

Question 3

Do I have to bind a policy after getting a quote?

Accepted Answer

No, there is zero obligation. You can compare our quote against your current policy and walk away at any time.

Question 4

How do you protect my information?

Accepted Answer

Your information is never sold to third parties. We share it only with the licensed carriers we ask to quote on your behalf. See our privacy policy for details.

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