Comparing auto insurance rates in Mesa can be a lot of work since you have many choices and finding the best Arizona insurance agent takes more work than just calling the closest agent. It’s highly likely you’re looking for a great agent that can assess your needs, but also the best rates possible.
With Allstate, Farmers and State Farm as well as independent agents all competing for business in Mesa, it can be hard to know which will provide you with the lowest rates and best service. To help decide, it’s easy to use insurance quotes online to get a list of insurance agents to choose from.
When choosing coverage, there really is not a cookie cutter policy. Every insured’s situation is different.
Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.
If it’s difficult to answer those questions, you might consider talking to a licensed agent.
Educated insurance agents can point out coverage gaps and help submit paperwork. The best thing about comparing rates online is you can get lower rates and still choose a local agent. Supporting small agencies is important particularly in Mesa.
Upon completion of this quick form, the quote information is sent to participating agents in Mesa who will battle for your insurance coverage. You don’t have to leave your house as quotes are delivered immediately to your email address. How’s that for easy!
When looking for an insurance agent, you must know there are a couple different types of agents that differ in how they can insure your vehicles. Mesa agents are either independent (non-captive) or captive. While both can insure your vehicles, but it’s good to learn how they are different because it can impact your agent selection.
Independent insurance agents are not employed by any specific company but rather can write business with multiple insurance companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, it’s recommended you include price quotes from at least one independent agent for the best price selection.Most can insure with lesser-known insurance companies which can save you money.
Below are independent agencies in Mesa willing to provide competitive price quotes.
Captive agencies work for only one company and examples are Liberty Mutual, State Farm, Allstate and AAA. They usually cannot provide prices from multiple companies so they have to upsell other benefits. They are well schooled on their products and sales techniques which can be an advantage. Consumers sometimes buy insurance from these agents mostly because of the prominence of the brand and strong financial ratings.
The following is a list of captive insurance agents in Mesa who can help you get price quotes.
For a full directory of Mesa captive insurance agencies, visit this link.
Choosing an insurance agent should depend on more than just the price. These questions are important to ask:
Once you have received good answers to your questions in addition to an acceptable price estimate, it’s possible that you found an insurance agent that meets your needs to provide auto insurance coverage.
Professional insurance agents are perfect for certain consumers, but Arizona car insurance can also be bought direct online. Some companies like Allstate and State Farm that are more known for using agents, also permit you to buy online, and that can save time.
If you’re anxious about choosing your own coverages when shopping online, don’t sweat it. Insurance companies all have toll-free customer service to walk you through the process. In addition, they usually offer live help and an extensive research center so buying online is not difficult.
When shopping for low rates, the only way to find out whether prices are lower online or from agents is to get price quotes for both. It’s not unheard of to actually get different prices from the same company from their online quote form as compared to an agent. It’s difficult to tell which is cheaper until you actually compare rates each way.
Do online companies have better rates? The answer to that question is complicated since there are so many components which can raise or lower premium rates. It’s a logical assumption that going direct lowers rates due to not having any agent compensation. But truthfully, getting their brand in front of customers is expensive so the lack of a commission may be a wash.
Additional auto insurance information can be found on the Arizona Department of Insurance website through this link. Visitors are able to read enforcement actions against agents and companies, download brochures, and find out industry alerts.
As you prepare to switch companies, do not reduce coverage to reduce premium. In too many instances, someone sacrificed collision coverage only to regret that the savings was not a smart move. Your focus should be to get the best coverage possible for the lowest price.
Consumers who switch companies do it for any number of reasons including denial of a claim, high rates after DUI convictions, being labeled a high risk driver and even poor customer service. Regardless of your reason, choosing a new company is pretty simple and you could end up saving a buck or two.