When trying to find a good insurance agent in Tucson, Arizona, we recommend you start your research online rather than looking in the yellowpages. For this article’s sake, it’s assumed you want a friendly agent, but you also want the lowest possible price.
With companies like State Farm, Allstate and many independent agents having offices in Tucson, it can be hard to know which insurance agency will provide the best service and rates. Fortunately, consumers can get online price quotes to assemble a group of agencies from which to choose.
When choosing coverage, there really is not a cookie cutter policy. Each situation is unique.
For instance, these questions may help you determine whether or not you might need an agent’s assistance.
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent.
Agents can answer important questions and help you file claims. The biggest benefit of comparing rates online is you can get the lowest rates and still choose a local agent. And supporting local businesses is definitely important in Tucson.
Once you complete this simple form, your insurance coverage information is submitted to local insurance agents who will battle for your insurance coverage. You won’t need to leave your house due to the fact that quote results will go directly to your email. Now that’s easy! You’ll get the best rates without the usual hassles of price shopping.
When finding an insurance agent, there are a couple of different types of agents from which to choose. Agencies in Tucson are either independent (non-captive) or captive.
These agents do not work for one specific company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and that require little work on your part. When shopping rates, you should always contact at a minimum one independent agency to get the best comparison. They also have the ability to place coverage with smaller regional carriers which may provide better rates.
Below is a list of independent agencies in Tucson who may be able to give you rate quotes.
This type of agents can only place business with one company such as State Farm, Allstate and AAA. These agents are unable to shop your coverage around so it’s a take it or leave it situation. These agents receive extensive training on their company’s products and that can be a competitive advantage. Some consumers prefer to buy from captive agents partially due to the brand legacy and the convenience of having a single billing for all their coverages.
The following is a list of captive agents in Tucson willing to provide price quotes.
To view a complete directory of Tucson captive insurance agents, visit this site.
Choosing an insurance agency needs to be determined by more than just a low price. These are valid questions to ask:
Once you have acceptable answers as well as a affordable price, it’s possible that you found a car insurance agent that meets your needs to provide car insurance coverage.
Local insurance agents are indespensible for some people, but you can also buy Arizona car insurance direct from companies that only sell online. Certain auto insurance companies who have local agents in Tucson also allow you to get a quote and buy online, so this should also be taken into consideration and can also potentially find you lower rates.
If you’re apprehensive about whether or not you’ll have guidance when buying car insurance direct, this is normal but is quickly overcome. Insurance companies that allow you to purchase coverage provide phone numbers and online resources for getting the best coverage.
Is it cheaper to buy car insurance online? That question is hard to answer because of the fact that insurance companies use many factors which can raise or lower premium rates. It’s a common assumption that buying online cuts out the agent as a middleman. But in most cases, advertising and marketing take a lot of money and that can quickly cost more than paying an agent.
Much more information about car insurance in Arizona is located on the Arizona Department of Insurance website through this link. Arizona drivers can read consumer alerts, find out industry alerts, and find a variety of consumer forms.
Additional helpful sites include this page for car insurance in Arizona and see this list of insurance agents in Tucson.
While you’re price shopping online, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where an accident victim reduced liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford while still protecting your assets.
Cheaper car insurance can be purchased both online in addition to many Tucson insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.