Gilbert Arizona Car Insurance Agency Price Comparisons

If you’re looking to buy car insurance, finding the best Arizona insurance agency is harder than just randomly choosing from the yellow pages. You need a friendly agent, and also competitive car insurance rates.

Since consumers have many options, it is hard for the average consumer to locate the cheapest company.

Buying car insurance locally

Insurance agents can answer important questions and give you peace of mind. One of the best bonuses of price shopping on the web is you may find the best rates and still have an agent to talk to.

To find an agent, once you fill out this short form, your coverage information is emailed to agents in your area who will compete for your business. There is no need to visit any agencies since price quotes are sent to your email. Now that’s easy! You can find the lowest rates and work with a local agent.

Deciding on an insurance agent should depend on more than just a cheap price. Agents should be asked these questions:

  • How much can you save by raising your physical damage deductibles?
  • Is working in the agency their full-time job?
  • How long has their agency been in business in Gilbert?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Do they review policy coverages at every renewal?
  • Are there any discounts that you might be missing?

Choose an insurance agent wisely

When searching for a local agent, you must know there are a couple types of insurance agents that you can select. Insurance agencies in Gilbert are categorized either independent or captive.

Agency Captives

Captive agencies can only write with one company and examples are Liberty Mutual, State Farm, Allstate and AAA. They are unable to give you multiple price quotes so it’s a take it or leave it situation. Captives are usually quite knowledgeable on the products they sell which helps them compete with independent agents. Consumers frequently buy insurance from these agents partially due to the brand legacy and solid financial strength.

The following is a list of captive agencies in Gilbert who may provide you with price quotes.

  • American Family Insurance – 75 W Baseline Rd # 3 – Gilbert, AZ 85233 – (480) 969-6404
  • Farmers Insurance Group – 1111 N Gilbert Rd # 208a – Gilbert, AZ 85234 – (480) 892-6335
  • Farm Bureau Insurance – 1458 W Bahia Ct – Gilbert, AZ 85233 – (480) 929-2725
  • Liberty Mutual – 3303 S Lindsay Rd – Gilbert, AZ 85296 – (480) 503-4200
  • State Farm Insurance – 1474 N Cooper Rd # B107 – Gilbert, AZ 85233 – (480) 777-1100
  • Allstate Insurance – 428 S Gilbert Rd # 106-6 – Gilbert, AZ 85296 – (480) 507-3463
Independent Agencies or Brokers

These agents are not employed by any specific company so they have the ability to put coverage with lots of companies and potentially find a lower price. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency. When comparison shopping, it’s a good idea to include price quotes from multiple independent agents to ensure the widest selection of prices.Many can place coverage with smaller regional carriers which can be an advantage.

Listed below are Gilbert independent insurance agents willing to provide price quote information.

  • Paulsrud Agency – 4231 E Chestnut Ln – Gilbert, AZ 85297 – (480) 816-1855
  • Loel Weatherly Agency Inc – 1672 E Guadalupe Rd # 109 – Gilbert, AZ 85234 – (480) 926-2766
  • Integrity Insurance Ctr – 694 E Cullumber St – Gilbert, AZ 85234 – (480) 892-5890
  • J R Mc Innis Insurance – 522 N Gilbert Rd # 106 – Gilbert, AZ 85234 – (480) 813-2233
  • Susan Beyer Agency Inc – 1539 W Elliot Rd – Gilbert, AZ 85233 – (480) 507-8879

To view a complete directory of car insurance agents in Gilbert, go to this page.

After getting answers to your satisfaction to all your questions and a good coverage price, chances are good that you have found an auto insurance agent that can provide car insurance coverage.

Online companies are an option

Local insurance agents are perfect for certain consumers, but you can also find affordable Arizona auto insurance from companies direct over the internet. Some specific companies, such as State Farm, Allstate and Farmers, who sell through agents in Gilbert also give you the option to quote and buy online, so keep that in mind as an alternative to contacting agents.

If you’re worried about not getting advice from an agent, this really isn’t an issue. Online companies all have client service departments for getting advice on proper coverages.

When trying to find the best rates, the only way to determine if car insurance prices are lower online or from agents is to compare price quotes from both. It’s not unheard of to actually get different prices from online quotes as compared to agent rates for the identical company.

Do online companies have better rates? That question is hard to answer since there are many things that impact your premium. You may think that a customer who purchases direcly from an online company lowers rates due to not having any agent compensation. But in most cases, online and traditional media advertising are expensive and this tends to eat up any savings.

More tips and info about car insurance can be read at the Arizona Department of Insurance website. Arizona consumers can read state legal mandates and laws, download brochures, report car insurance fraud, and find disaster information.

Better coverage you can count on

When buying insurance coverage, do not reduce coverage to reduce premium. There are many occasions where drivers have reduced full coverage and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy enough coverage for the lowest price while not skimping on critical coverages.

Gilbert AZ auto insurance

Insureds switch companies for any number of reasons including extreme rates for teen drivers, poor customer service, policy cancellation or not issuing a premium refund. Regardless of your reason, finding the right car insurance provider is not as difficult as it may seem.