Money-Back Guarantee
The TCDS Money-Back Guarantee
TCDS Insurance Agency's written guarantee is simple: if we shop your insurance across 50+ carriers and cannot find a better price or better coverage for the same price as what you currently have, we refund your time. The quote is always free anyway, so there's nothing to risk.
What "Better" Means
We evaluate your current policy on two dimensions. First, can we beat your current premium for equivalent or better coverage? Second, if the price is the same, can we offer materially better coverage (for example, replacement cost instead of actual cash value on your roof, higher liability limits, or an RCV endorsement on personal property)? If we can't improve on either, we'll tell you to keep what you have.
Why We Can Offer This Guarantee
As an independent agent with contracts across 50+ carriers, TCDS has broad access to the market. When a client's current carrier has raised rates or isn't the most competitive for their risk profile, there's almost always a better option available. We quote clients against the same carriers that captive agents use, plus dozens of companies they can't access. The cases where we can't improve a policy are genuinely rare.
What the Guarantee Is Not
This is not a price-match guarantee against quotes you've already received elsewhere. We need to run the market fresh with your actual underwriting information to give you a real, bindable quote, not a ballpark estimate. The guarantee applies to our ability to find a better bindable option from our carrier panel.
How to Take Advantage
Call (205) 847-5616 or request a quote online. Bring your current declarations page if you have it — it shows your current coverages, limits, and premium so we can make an accurate comparison. Most auto and home quotes complete in one 15-minute call.
Frequently Asked Questions
What is TCDS Insurance's money-back guarantee?
TCDS offers a written 100% satisfaction guarantee. If our service doesn't meet your expectations at any time, you can cancel your policy and receive a full refund of your unused premium. No other Alabama insurance agency offers this in writing.
How does the TCDS money-back guarantee work?
Simply contact us if you're not satisfied with our service. We'll process your cancellation and refund your unused premium with no hassle, no questions asked. The guarantee applies to all policies placed through TCDS Insurance Agency.
Why does TCDS offer a money-back guarantee?
We offer this guarantee because we're confident in our service quality. We believe that if an agency truly puts clients first, they should be willing to back it up in writing. It also holds our team accountable to deliver exceptional service every day.
Is the TCDS money-back guarantee really unique in Alabama?
Yes, TCDS is the only insurance agency in Alabama that provides a written money-back guarantee. While other agencies may claim satisfaction guarantees verbally, we put ours in writing because we believe actions speak louder than words.