Learn to Find the Lowest Auto Insurance Prices From the Best Insurance Agents in Phoenix, AZ

When trying to find a good Phoenix agent, it’s recommended you start your search using online quotes to save time. Chances are good you want a competent insurance agent, but you also want to find the best rates possible.

With companies like independent agents, Allstate and State Farm all competing for your business, it’s hard to tell which will provide you with the best rates, service and coverage. To begin, consumers can get insurance quotes online to get a list of agents to choose from.

Phoenix agents and online quotes

Licensed agents can help determine the best coverages and help you file claims. One of the best bonuses of getting online price quotes is that you can obtain better rates and still have an agent to talk to. Buying from local agencies is important particularly in Phoenix.

For easy comparison, once you complete this short form, the coverage information is sent to agents in your area who will compete for your business. There is no need to leave your computer due to the fact that quote results will go straight to your inbox. How’s that for easy! You can find better rates AND a local agent.

Insurance agent types

When finding an insurance agent, there are a couple of types of insurance agents that you can select. Insurance agencies in Phoenix can either be captive or independent.

Independent Agents

Independent agents are not employed by any specific company so they can insure your vehicles with lots of companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent. When shopping rates, we recommend you include price quotes from several independent insurance agents to ensure the widest selection of prices.

The following is a list of independent agencies in Phoenix that are able to give comparison quotes.

911 Insurance Quotes – 1238 E Chandler Blvd – Phoenix, AZ 85048 – (480) 460-1111
Sharon Cheney Agency Inc – 15610 N 35th Ave # 7 – Phoenix, AZ 85053 – (602) 993-8585
Aall Insurance Group – 3240 W Van Buren St – Phoenix, AZ 85009 – (602) 272-4100
Brian Nelson Agency – 10540 W Indian School Rd # 2 – Phoenix, AZ 85037 – (623) 877-3569
Regina Ausloos Agency – 350 E Bell Rd # 201 – Phoenix, AZ 85022 – (602) 866-5800

Captive Insurance Agents

These agents write business for a single company and some examples include Allstate, AAA, Liberty Mutual and State Farm. These agents are unable to shop your coverage around so they have no alternatives for high prices. Captives are trained well on their products and sales techniques which helps them sell insurance even at higher premiums.

Below is a short list of captive insurance agents in Phoenix who can help you get price quote information.

American Family Insurance – 4201 E Ahwatukee Dr – Phoenix, AZ 85044 – (480) 598-5622
Farmers Insurance Group – 26 W Lone Cactus Dr # 600 – Phoenix, AZ 85027 – (623) 580-0150
Liberty Mutual Insurance – 3636 N Central Ave – Phoenix, AZ 85012 – (602) 265-3336
Allstate Insurance – 18206 N 19th Ave # 2b – Phoenix, AZ 85023 – (602) 993-7886
State Farm Insurance – 2040 E Bell Rd # 110 – Phoenix, AZ 85022 – (602) 971-8488
Farm Bureau Insurance – 10240 N 31st Ave # 135 – Phoenix, AZ 85051 – (602) 997-6633

To view a full list of auto insurance agents in Phoenix, please click here.

Choosing an insurance agent should depend on more than just the premium amount. Any agent should be forthright in answering these questions:

  • Are they properly licensed to sell insurance in Arizona?
  • Does the agency have a good rating with the Better Business Bureau?
  • What insurance companies do they work with?
  • If you have an accident, will your rates go up?
  • How much can you save by raising your physical damage deductibles?

After receiving positive feedback to your questions and a good coverage price, you’ve probably found an insurance agent that meets your needs to insure your vehicles.

How much car insurance do I need?

When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether you could use an agent’s help.

  • Should I sign the liability waiver when renting a car?
  • What is high-risk coverage and where do I buy it?
  • How high should my uninsured/underinsured coverage be in Arizona?
  • How much liability do I need to cover my assets?
  • Is business equipment covered while in my vehicle?
  • Does my car insurance cover rental cars?
  • Do I really need UM/UIM coverage?

If you don’t know the answers to these questions, you might consider talking to an insurance agent.

Are Progressive, GEICO and Esurance cheaper?

Licensed agents serve a purpose, but Arizona consumers also have the option to buy direct from companies that only sell online. A few companies that are more known for using agents, also allow consumers to get a quote and buy online, and that is helpful if finding the best price is important.

If you’re concerned about not getting advice from an agent when buying car insurance direct, that is normal but is not a big issue. All companies that require consumers to choose their own coverages give you access to trained agents to answer any questions you may have. They also have live help and 24/7 access to clarify any questions you may have.

Will buying online save you money? Whether or not you’ll save is impossible to say due to the large number of individual components that influence your rates. Some people think that going direct prevents the agent from taking a cut. But truthfully, getting their brand in front of customers is expensive so the lack of a commission may be a wash.

More comparisons equals lower rates

Drivers change insurance companies for a variety of reasons including policy non-renewal, delays in responding to claim requests, lack of trust in their agent and even unfair underwriting practices. No matter why you want to switch, switching companies is pretty easy and you might even save some money in the process.

Phoenix AZ insurance prices

Lower-priced auto insurance can be found on the web and also from your neighborhood Phoenix agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

More information can be found on the website for the Arizona Department of Insurance found here. Arizona consumers can read enforcement actions against agents and companies, find out industry alerts, file complaints about a company, and view a list of available companies.

The articles below may also help you learn more about auto insurance in Phoenix