Lowest Prices from Scottsdale Arizona Auto Insurance Providers

If you’re looking for a good insurance agent in Scottsdale, Arizona, you can start your research using online quotes instead of calling around. The chances are good you’re not only searching for a professional licensed agent, but you also want great rates as well.

With companies like Allstate, Farmers, State Farm and many independent agents having local Scottsdale offices, it can be hard to know which provider will have the best rates, service and coverage. To begin, consumers can get online quoting in order to build a list of insurance agencies and thier coverage prices.

Scottsdale agents for auto insurance

Licensed agents can help determine the best coverages and help in the event of a claim. One of the great benefits of comparing insurance prices online is that you can obtain the best rates but also keep your business local. And providing support for local agencies is especially important in Scottsdale.

To help locate an agent, after submitting this short form, the coverage information is sent to participating agents in Scottsdale who will return price quotes for your insurance coverage. You never need to even leave your home because quoted prices will be sent to your email. It doesn’t get any easier!

The difference between Scottsdale insurance agents

When researching a reputable insurance agent or broker, there are a couple of different agency structures to choose from. Agents are categorized either captive or independent. Both types can do a good job, but it’s good to learn how they differ since it may influence your selection of an agent.

Independent Agents (or Brokers)

These agents are not required to write business for one company but instead can place your coverage with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage and you won’t have to switch agencies.

When comparison shopping, it’s a good idea to contact at a minimum one independent agency to get the best comparison.

Shown below are independent agencies in Scottsdale who can help you get rate quotes.

Jim Kramer Agency – 17797 N Perimeter Dr # D101 – Scottsdale, AZ 85255 – (480) 502-3636
Sun Devil Insurance – 3014 N Hayden Rd # 120 – Scottsdale, AZ 85251 – (480) 994-4211
Cedar Hill Insurance Agency – 8800 E Chaparral Rd # 230 – Scottsdale, AZ 85250 – (480) 951-4177
Ted J Schultz Insurance – 7375 E 6th Ave – Scottsdale, AZ 85251 – (480) 946-2121
Rory Martin Agency – 8155 E Indian Bend Rd – Scottsdale, AZ 85250 – (480) 945-0608

Captive Insurance Agents

Captive insurance agents have only one company to place business with and some examples include Allstate, State Farm and Farmers Insurance. They are unable to give you multiple price quotes so it’s a take it or leave it situation. Captive agencies are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents.

Below is a list of captive insurance agencies in Scottsdale willing to provide price quote information.

Allstate Insurance Co – 10277 N 92nd St # 102 – Scottsdale, AZ 85258 – (480) 860-0973
Farmers Insurance Group – 14415 N 73rd St – Scottsdale, AZ 85260 – (602) 565-4858
Liberty Mutual Insurance – 10304 N Hayden Rd # 4 – Scottsdale, AZ 85258 – (480) 483-8467
American Family Insurance – 8764 E Shea Blvd # A2 – Scottsdale, AZ 85260 – (480) 998-5441
State Farm Insurance – 10435 N Scottsdale Rd – Scottsdale, AZ 85253 – (480) 941-2257

For a complete listing of Scottsdale captive agents, please go to this site.

Picking an auto insurance agent requires more thought than just a low price. Some important questions to ask are:

  • What insurance companies do they recommend if they are an independent agent?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Can they provide you with a list of referrals?
  • Is vehicle damage repaired with OEM or aftermarket parts?

Upon getting answers to your satisfaction and an acceptable price quote, you’ve probably found an insurance agency that is a good match to properly service your auto insurance policy.

Do I need special coverages?

When choosing the right insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions can help discover if you may require specific advice.

  • When would I need additional glass coverage?
  • Are my friends covered when driving my vehicle?
  • When should I remove comp and collision on my vehicle?
  • What are the financial responsibility laws in Arizona?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need roadside assistance coverage?
  • Why am I required to get a high-risk car insurance policy?
  • When do I need to add a new car to my policy?
  • How do I file an SR-22 for a DUI in Arizona?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent.

Isn’t it cheaper to buy direct online?

Professional insurance agents are a valuable resource, but Arizona car insurance can also be bought direct over the internet. Certain auto insurance companies like State Farm and Allstate that are more known for using agents, additionally provide the ability to get quotes and purchase online. This is something to consider if you prefer to buy online.

If you’re worried about choosing your own coverages, that is quite common when buying online the first time. Insurance companies provide phone numbers and online resources you can use to get advice on coverages.

Can you find lower rates online? The answer is complex because there are many components that can increase policy rates. Many people think that a customer who purchases direcly from an online company saves by not paying a commission. But in reality, marketing their products costs a lot of money and that can cost more than having to pay agents.

Online plus local equals savings

Consumers leave their current company for a variety of reasons including unfair underwriting practices, denial of a claim, not issuing a premium refund and even policy cancellation. It doesn’t matter why you want to switch choosing a new company can be pretty painless.

Scottsdale insurance cheap

Budget-conscious auto insurance is available on the web as well as from independent agents in Scottsdale, so compare prices from both in order to have the best price selection to choose from. A few companies don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.

Learn more about auto insurance in Arizona

More information is available on the website for the Arizona Department of Insurance through this link. Arizona drivers can file complaints about an insurance agent or broker, learn about insurance regulations, and view a list of available companies.

Also read more on this site for auto insurance rates in Arizona and this page where you can also get Scottsdale auto insurance quotes.