To locate a good insurance agent in Tempe, Arizona, we recommend you do an initial search by comparing rates online to save time. It’s likely you’re wanting a good agent, but also affordable coverage.
With insurance companies like Allstate, Farmers, State Farm and many independent agents having local Tempe offices, it can be hard to know which car insurance agent will provide the best service and rates. Thankfully, you can use online price quotes to assemble a group of insurance agencies from which to choose.
When it comes to choosing coverage for your vehicles, there is no best way to insure your cars. Each situation is unique.
These are some specific questions might help in determining whether or not you may require specific advice.
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent.
Agents can help determine the best coverages and help submit paperwork. The best thing about comparing insurance prices online is the fact that you can find lower rates but also keep your business local. Supporting local insurance agencies is important particularly in Tempe.
For easy comparison, once you complete this form (opens in new window), your information gets sent to local insurance agents in Tempe who will return price quotes for your business. You won’t need to even leave your home due to the fact that quote results will go immediately to your email address. How cool is that?! You’ll get the best rates without the usual hassles of price shopping.
When looking for a reliable agent, there are two types of insurance agents from which to choose. Agencies in Tempe are either captive or independent (non-captive).
Independent insurance agents are not locked into one company but rather can write business with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When shopping rates, it’s recommended you contact at a minimum one independent agency for the best price selection. They often place coverage with different regional companies who may have lower rates.
Below is a list of independent agencies in Tempe that may be able to provide competitive price quotes.
This type of agents are contracted to one company like Allstate, Farmers Insurance or State Farm. Captives cannot provide prices from multiple companies so they have no alternatives for high prices. Captive agencies are well schooled on the products they sell which helps them sell insurance even at higher premiums. Some people will only choose to use a captive agent primarily because of loyalty to the company and the convenience of having all coverages with one company.
Listed below is a short list of captive insurance agents in Tempe that can give you price quotes.
For a complete listing of Tempe captive insurance agents, please click here.
Choosing an insurance agency needs to be determined by more than just a low price. These questions are important to ask:
Once you have positive feedback as well as a affordable price, it’s possible that you found an insurance agent that can provide auto insurance coverage.
Local insurance agents are a valuable resource, but you also have the option of buying Arizona car insurance directly from online companies. Even companies, such as Farmers Insurance and State Farm, who employ agents also let you buy direct online. This is something to consider if you don’t want to take the time to contact agents.
If you’re apprehensive about not getting advice from an agent, don’t sweat it. Auto insurance companies that allow you to purchase coverage provide toll-free numbers for getting questions answered.
If you just want to find lower premiums, the most effective way to determine if the cheapest policy comes from an agent or online is getting rates for as many of both types of providers as possible. It’s not unheard of to actually get different prices from online quotes as they do from local agents from the exact same provider. You won’t discover whether online or agents have the lower rates until after you compare the same coverages from both.
Does buying online save money? It’s difficult to provide an answer because there are so many things that influence the price you pay. It would make sense to think that a customer who purchases direcly from an online company saves by not paying a commission. But the fact is, getting their brand in front of customers is expensive so the lack of a commission may be a wash.
Additional information is available on the Arizona Department of Insurance website. Click here for link. Visitors are able to find a variety of consumer forms, read enforcement actions against agents and companies, download brochures, and find out industry alerts.
Other informative sites include this site for Arizona auto insurance information and this page where you can also get Tempe auto insurance quotes.
As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. There are many occasions where an insured dropped uninsured motorist or liability limits to discover at claim time that it was a big error on their part. Your strategy should be to get the best coverage possible for the lowest price while not skimping on critical coverages.
Consumers change insurance companies for any number of reasons including being labeled a high risk driver, lack of trust in their agent, delays in responding to claim requests and denial of a claim. Regardless of your reason for switching companies, choosing a new insurance company can be less work than you think.