How to Compare Auto Insurance Rates From Glendale Insurance Agents

When shopping for auto insurance, you have many choices and choosing the right Glendale insurance agency is not as easy as just picking up the phone. Consumers require a good agent that listens to you, and also decent rates too.

Many auto insurance agents compete for your insurance dollar, and it can be difficult to compare rates and get the definite best rates possible.

When should I use an insurance agent?

When choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions might help in determining if your insurance needs will benefit from professional help.

  • Should I have combined single limit or split liability limits?
  • Should I buy additional glass protection?
  • I don’t drive much so do I pay less?
  • Can I rate high risk drivers on liability-only vehicles?
  • What should my uninsured motorist coverage limits be in Arizona?
  • When do I need to add a new car to my policy?
  • Do I need PIP (personal injury protection) coverage in Arizona?
  • How high should my medical payments coverage be?
  • What if I don’t agree with a claim settlement offer?
  • What if I total my vehicle and owe more than it’s worth?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent.

Car Insurance through a local Glendale agent

Good agents can help determine the best coverages and help submit paperwork. One of the best bonuses of getting online price quotes is you can get better rates but also keep your business local.

For easy comparison, once you complete this quick form, your insurance data is emailed to participating agents in Glendale who will return price quotes for your insurance coverage. You never need to visit any agencies since price quotes are sent straight to your inbox. Now that’s easy!

Choosing an insurance agency shouldn’t rely on just the price. These are valid questions to ask:

  • Are they full-time agents?
  • If you are a high risk driver, do they have special markets for your coverage?
  • How much can you save by raising your physical damage deductibles?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • How long has their agency been open in Glendale?
  • Which insurance companies are they affiliated with?

Choose the right auto insurance agent

When finding a local agent, you need to know there are two different agency structures to choose from. Agents are categorized either captive or independent (non-captive). While both can do a good job, but it’s worth mentioning the difference between them since it can impact your agent selection.

Captive Insurance Agents

Captive agencies can only place business with one company such as Farmers Insurance or State Farm. They generally cannot place coverage with different providers so they have no alternatives for high prices. Captive agents are trained well in insurance sales which helps them sell insurance even at higher premiums. Consumers frequently buy insurance from these agents partially due to the prominence of the brand and solid financial strength.

Shown below is a short list of captive insurance agents in Glendale willing to provide price quote information.

  • American Family Insurance – 4718 W Olive Ave – Glendale, AZ 85302 – (623) 486-9062
  • Farm Bureau Insurance – 17235 N 75th Ave # C100 – Glendale, AZ 85308 – (623) 487-3510
  • Farmers Insurance Group – 4330 W Union Hills Dr – Glendale, AZ 85308 – (623) 581-5648
  • Allstate Insurance – 6070 W Bell Rd # A114 – Glendale, AZ 85308 – (602) 843-3677
  • State Farm Insurance – 6615 W Happy Valley Rd – Glendale, AZ 85310 – (623) 979-7956
Independent Agencies or Brokers

Independent insurance agents are not employed by any specific company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally without you having to go to a different agency. When shopping rates, it’s a good idea to include at a minimum one independent agency to have the most options to choose from.Many can place coverage with smaller companies which can be an advantage.

Shown below are Glendale independent agents that are able to give price quotes.

  • Ann E Steele Agency – 4444 W Northern Ave # A1 – Glendale, AZ 85301 – (623) 776-3136
  • Glenzona Insurance – 5303 W Glendale Ave – Glendale, AZ 85301 – (623) 939-1461
  • Randy A Savageau Agency Inc – 18001 N 79th Ave – Glendale, AZ 85308 – (623) 334-4474
  • Jim Bennett Agency Inc – 6033 W Bell Rd # J – Glendale, AZ 85308 – (602) 843-4140
  • Glendale Insurance – 5115 W Bell Rd # B – Glendale, AZ 85308 – (602) 843-1802

To view a complete directory of auto insurance agents in Glendale, go to this page.

Once you have received satisfactory answers to any questions you have and a low price estimate, you may have just found an insurance agent that can properly insure your vehicles.

What about online companies that don’t have local agents?

Licensed agents are important to many people, but Arizona drivers can also buy from online companies direct. Some car insurance companies who sell through the agent channel additionally provide the ability to get a quote and buy online. This is something to consider.

If you’re uncomfortable with having to choose coverages yourself when buying direct, that should not be a issue. Auto insurance companies provide access to licensed agents for answering any questions you have. Additionally, most companies also offer online education and live help anytime to clarify any questions you may have.

Do online companies provide lower prices? Whether or not you’ll save is impossible to say because there are many factors that determine your policy premium. It’s logical to say that buying direct prevents the agent from taking a cut. In many cases, marketing their products costs a lot of money so the rates may be similar to buying from an agent.

Additional detailed information can be read at the Arizona Department of Insurance website. Arizona drivers can view agent and company licensing information, learn about specific coverages, find out industry alerts, and view a list of available companies.

Smart consumers save more

As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. Too many times, someone dropped collision coverage and learned later that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Car insurance in Glendale AZ

Cost effective auto insurance can be bought from both online companies as well as from independent agents in Glendale, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.