How to Get the Best Auto Insurance Rates From the Best Insurance Agents in Mesa

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.

Which policy gives me the best coverage?

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.

  • Do I need special endorsements for business use of my vehicle?
  • When should I remove comp and collision on my vehicle?
  • What is covered by UM/UIM coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • What is the minimum liability in Arizona?
  • Is my dog or cat covered if injured in an accident?
  • Is business property covered if stolen from my car?
  • Is my teen driver covered when they drive my company car?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I have coverage if my license is suspended?

If it’s difficult to answer those questions, you might consider talking to a licensed agent.

How to find Mesa insurance agents online

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!

What types of insurance agencies are in Mesa?

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

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.

  • Steve Shiflet Insurance – 7254 E Southern Ave – Mesa, AZ 85209 – (480) 641-1660
  • Country Insurance and Financial – 1640 S Stapley Dr # 221 – Mesa, AZ 85204 – (480) 325-1521
  • Gary Gollwitzer Agency – 919 N Stapley Dr # P – Mesa, AZ 85203 – (480) 834-3872
  • Eric Ainsworth Agency – 1819 E Southern Ave # E15 – Mesa, AZ 85204 – (480) 775-4531
  • Joe Seitzer Agency Inc – 1220 S Alma School Rd # 204 – Mesa, AZ 85210 – (480) 464-2525
Agency Captives

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.

  • American Family Insurance – 1225 E 2nd St – Mesa, AZ 85203 – (480) 969-6550
  • Farm Bureau Financial Svc – 1012 S Stapley Dr # 114 – Mesa, AZ 85204 – (480) 507-1810
  • Allstate Insurance Co – 3740 E Southern Ave # 201 – Mesa, AZ 85206 – (480) 830-4650
  • Farmers Insurance Group – 719 E Kenwood St – Mesa, AZ 85203 – (480) 659-0728
  • State Farm Insurance – 745 W Baseline Rd # B11 – Mesa, AZ 85210 – (480) 892-6079

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:

  • Who are their largest clients?
  • How much will you save each year by using a higher deductible?
  • Did they already check your driving record and credit reports?
  • How long have they worked with personal auto insurance coverage?
  • Are claim adjusters local or do you have to take your car somewhere else?

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.

Is buying direct online an option?

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.

To learn more about auto insurance in Arizona

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.

Keep this in mind

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.

Mesa AZ car insurance quote

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.