Tightwads Guide to Saving on Lake Havasu City, AZ Car Insurance

Cutting costs on Lake Havasu City car insurance is always hard for consumers not familiar with comparing rates online. People have so many options that it can be more work than you anticipated to find the best price in Lake Havasu City.

It’s a good idea to shop coverage around quite often because rates fluctuate regularly. Even if you think you had the lowest rates a year ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to one of the quickest ways to properly buy coverages while reducing your premium.

This information will tell you how to get online quotes and some tricks to saving. If you currently have a car insurance policy, you should be able to cut costs considerably using these techniques. But Arizona consumers must know how the larger insurance companies compete online and take advantage of how the system works.

How to Compare Car Insurance Costs in Lake Havasu City, AZ

Most companies like Allstate and Progressive provide coverage price quotes directly from their websites. Getting quotes is fairly simple as you just enter your coverage preferences as requested by the quote form. After you complete the form, their rating system will obtain your driving record and credit report and gives you a price quote determined by many factors.

Being able to quote online simplifies rate comparisons, but the time it takes to visit several different sites and fill out multiple forms can be a bit repetitive. But it is imperative to have as many quotes as possible if you want to find better car insurance pricing.

The easiest way to compare car insurance pricing uses one simple form that analyzes rates from more than one company. It’s a real time-saver, eliminates repetitive work, and makes comparison shopping much simpler. Immediately after you send the form, your coverage is rated and you are able to buy any or none of the quotes returned.

If you find a better price you can simply submit the application and purchase coverage. The whole process takes just a few minutes to complete and you’ll know if lower rates are available.

To find out if lower rates are available, click here and enter your vehicle and coverage information. To compare your current rates, we recommend that you enter your coverages identical to your current policy. Using the same limits helps guarantee you will be getting a rate comparison for exact coverage.

When should I talk to an agent?

When it comes to buying the best car insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether your personal situation might need an agent’s assistance.

  • Do I have coverage when pulling a U-Haul trailer?
  • When would I need rental car insurance?
  • Should I buy only the required Arizona minimum liability coverage?
  • Will my rates increase for filing one claim?
  • What vehicles should carry emergency assistance coverage?
  • What if I total my vehicle and owe more than it’s worth?
  • If my vehicle is totaled, can I afford another vehicle?
  • Is my vehicle covered for flood damage?
  • How much liability coverage do I need in Arizona?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Can’t I compare rates from local Lake Havasu City agents?

Some people would rather talk to a local agent and that is just fine! One of the great benefits of comparing rates online is that you can obtain the best rates but still work with a licensed agent. And providing support for small agencies is especially important in Lake Havasu City.

After completing this quick form, your insurance data is sent to local insurance agents in Lake Havasu City who will return price quotes to get your business. There is no need to even leave your home because quoted prices will be sent to your email. How cool is that?! Get lower rates without the usual hassles of price shopping.

Insurance agent types

When researching local Lake Havasu City agents, there are two types of agencies to choose from. Insurance agencies in Lake Havasu City are either captive or independent.

Independent Agents

Independent agents do not work for one specific company so they have the ability to put coverage with many different companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to find a new agent. When searching for an agent, you should always include multiple independent agents to get the best comparison.Most can insure with lesser-known insurance companies who may have lower rates.

Listed below are independent insurance agents in Lake Havasu City that can give you rate quotes.

  • London Bridge Insurance Assoc – 2153 Mcculloch Blvd N – Lake Havasu City, AZ 86403 – (928) 855-7884
  • Alexander Insurance Svc – 1519 Queens Bay # 202b – Lake Havasu City, AZ 86403 – (928) 854-7599
Agency Captives

These agents write business for a single company like AAA, Allstate and State Farm. They usually cannot shop your coverage around so they have no alternatives for high prices. These agents are very knowledgeable on the products they sell which helps them compete with independent agents. Consumers often choose to use a captive agent mostly because of the brand legacy and the convenience of having a single billing for all their coverages.

The following is a list of captive agents in Lake Havasu City that can give you price quotes.

Lake Havasu City AZ auto insurance

  • American Family Insurance – 2110 Mcculloch Blvd N # 1 – Lake Havasu City, AZ 86403 – (928) 855-1297
  • Allstate Insurance – 231 Swanson Ave # 204 – Lake Havasu City, AZ 86403 – (928) 855-8404
  • Farmers Insurance Group – 52 Smoketree Ave S # A – Lake Havasu City, AZ 86403 – (928) 855-4015
  • Farm Bureau Insurance – 2170 Mcculloch Blvd N – Lake Havasu City, AZ 86403 – (928) 854-6457

To view a full list of Lake Havasu City captive insurance agencies, visit this site.

Picking an insurance agency requires more thought than just the bottom line cost. Ask your prospective agent these questions:

  • Do they carry Errors and Omissions coverage?
  • Are there any discounts that you might be missing?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • If your car is totalled, how to they determine the replacement cost?
  • Can they give you a list of client referrals?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

After getting acceptable answers to any questions you have as well as a affordable price, it’s possible that you found a car insurance agent that can properly service your car insurance policy.

More information about car insurance

Much more information about car insurance in Arizona is available on the Arizona Department of Insurance website. Click here for link. Arizona drivers can view a list of available companies, discover disciplinary actions, and read consumer alerts.