Learn How to Lower Your Premiums for Goodyear Arizona Car Insurance

Are you overwhelmed by the wide range of car insurance options in Goodyear? You have a lot of company. Consumers have so many options available that it can quickly become more work than you anticipated to find the perfect company for you.

Comparison of Car Insurance in Goodyear, Arizona

There are a lot of ways to shop for car insurance, but some are less labor-intensive and much quicker. You could waste time talking to local insurance agents in Goodyear, or you could save time and use the internet to get pricing more quickly.

All the larger companies participate in a marketplace that allows shoppers to only type in their quote data once, and each participating company returns a rated price determined by their information. This system prevents you from having to do quote requests for each company you want a rate for. To access this free quoting program, click to open in new window.

The only drawback to using this type of system is that you can’t choose which insurance companies to get quotes from. If you would rather choose specific insurance companies to receive pricing from, we have a page of the cheapest car insurance companies in Arizona. Click here for list of insurance companies in Arizona.

Which method you use is up to you, but make sure you use identical coverages for every company. If you use different limits and deductibles on each one you can’t possibly find the best deal in Goodyear.

You may need specialized coverage

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions could help you determine if you would benefit from an agent’s advice.

  • Do I need PIP coverage since I have good health insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if I wreck a rental car?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered when driving a rental car?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.Goodyear insurance prices

Quote online but still have a local agent

Some consumers would rather buy from a local agent and that is just fine! Insurance agents can point out coverage gaps and help file insurance claims. One of the great benefits of comparing insurance prices online is that you can obtain the best rates and still choose a local agent.

To find an agent, once you fill out this quick form, your insurance data is transmitted to companies in Goodyear who will give you bids for your insurance coverage. There is no reason to leave your house due to the fact that quote results will go straight to your inbox. Now that’s easy!

Choosing an provider requires more thought than just a low price. These are valid questions to ask:

  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Is their price quote a firm figure or are their hidden costs?
  • Can glass repairs be made at your home?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • If your car is totalled, how to they determine the replacement cost?
  • Can they provide you with a list of referrals?
  • Is assistance available after office hours?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.

What types of insurance agents are in Goodyear?

When researching a reliable agent, you must know there are a couple different agency structures that you can select. Agents are categorized either independent or captive. While both can properly insure your vehicles, but it’s good to learn the differences because it can impact your agent selection.

Captive Insurance Agents

Captive agents can only place business with one company and examples are State Farm, Allstate and AAA. They usually cannot give you multiple price quotes so always compare other rates. These agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from captives primarily because of loyalty to the company and the convenience of having all coverages with one company.

Listed below are Goodyear captive agencies who may provide you with rate quotes.

  • American Family Insurance – 1616 N Litchfield Rd # 135 – Goodyear, AZ 85338 – (623) 535-5836
  • Farmers Insurance Group – 14122 W Mcdowell Rd – Goodyear, AZ 85338 – (623) 925-9411
  • State Farm Insurance – 1616 N Litchfield Rd # 125 – Goodyear, AZ 85338 – (623) 878-3401
  • Farm Bureau Insurance – 3673 S Bullard Ave # 101 – Goodyear, AZ 85338 – (623) 925-0190
  • Allstate Insurance Co – 219 N Litchfield Rd – Goodyear, AZ 85338 – (623) 932-3296
Independent Agencies or Brokers

Independent agencies are not employed by any specific company so they have the ability to put coverage with lots of companies depending on which coverage is best. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent.

When shopping rates, it’s recommended you include at least one independent agent to have the most options to choose from.Most can insure with different regional companies which may provide better rates.

lower rates in Goodyear Arizona

Shown below is a short list of independent insurance agencies in Goodyear that can give you comparison quotes.

  • Academy Insurance – 18093 Santa Alberta Ln – Goodyear, AZ 85338 – (623) 935-5688
  • Fenix Insurance – 1616 N Litchfield Rd # 240 – Goodyear, AZ 85338 – (602) 548-8474

To view a complete directory of Goodyear insurance agents, go to this page.

Once you have received positive feedback to your questions and locked in a price quote, most likely you have located an auto insurance agent that can service your policy.

More detailed Arizona car insurance information can be read at the Arizona Department of Insurance website. Visitors are able to discover disciplinary actions, find out industry alerts, and read enforcement actions against agents and companies.