Title insurance and settlement services sit in section C of your Loan Estimate, and section C has a property the surrounding sections do not: you are entitled to choose the providers. The lender hands you a list of companies they work with, and federal rules generally let you pick from it or go outside it entirely, to any licensed provider in your state. In most transactions, nobody exercises this — the default provider is whoever the lender or agent habitually uses, and the bill lands unexamined.
Prices for the identical service vary meaningfully between providers in the same market. It is the same policy, insuring the same title, from companies that mostly reinsure through the same handful of underwriters. The variation is in the agent's fees and margins, which is exactly the kind of variation shopping fixes.
How the two phone calls go
Take section C of your Loan Estimate, call two title companies you found yourself, and ask each for a quote on the same items — lender's policy, settlement or closing fee, and the owner's policy if you are buying one. In many states an owner's policy also has a discounted "reissue rate" when the seller's policy is recent; it is worth asking about by name, because it is applied when requested far more reliably than it is volunteered.
If a quote beats your list price, tell your lender you are exercising your right to choose. The lender may not steer you off it, and the tolerance rules on your loan actually loosen for the lender when you go off-list — which is to say, the right is real, the process is designed to accommodate it, and the only scarce input is the twenty minutes.