When pricing car insurance in Avondale, AZ, there are a lot of options and picking a good Arizona insurance agency is more difficult than just randomly choosing from the yellow pages. Consumers require a friendly agent, and also want to find decent rates too.
You have so many auto insurance agents to pick from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to find the best rates for your vehicles.
Quote online, buy local
Agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of comparing insurance prices online is that you can obtain the best rates but still work with a licensed agent.
After filling out this simple form, your coverage information is sent to participating agents in Avondale who will compete to get your business. You never need to even leave your home because quoted prices will be sent to your email. How’s that for easy! It’s the lowest rates and work with a local agent.
Selecting a car insurance agent should depend on more than just a low price. Some important questions to ask are:
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Who are their largest clients?
- Is assistance available after office hours?
- Are they properly licensed to sell insurance in Arizona?
- Are you getting all the discounts the company offers?
- Do they review policy coverages at every renewal?
- Do they specialize in personal lines coverage?
- Does the company allow you to choose your own collision repair facility?
Different types of auto insurance agents in Avondale
When finding local Avondale agents, there are a couple of different agency structures to choose from. Agencies in Avondale are either independent (non-captive) or captive.
Agency Captives
This type of agents write business for a single company and examples are AAA, State Farm, Farmers Insurance and Allstate. They generally cannot compare other company’s rates so they are skilled at selling on more than just price. They are well schooled on their products and sales techniques which helps them compete with independent agents.
Below are Avondale captive insurance agencies who may provide you with comparison quotes.
Farm Bureau Financial Svc – 13055 W Mcdowell Rd # G112 – Avondale, AZ 85323 – (623) 536-1364
American Family Insurance – 12409 W Indian School Rd – Avondale, AZ 85323 – (623) 842-0387
Allstate Insurance Co – 10320 W Mcdowell Rd # E5015 – Avondale, AZ 85323 – (623) 937-2113
State Farm Insurance – 10320 W Mcdowell Rd – Avondale, AZ 85323 – (623) 936-4769
Independent Agents (or Brokers)
Independent agents are not required to write business for one company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies.
When shopping rates, it’s a good idea to contact at least one independent agent to have the most options to choose from.
Shown below is a list of independent insurance agencies in Avondale willing to provide comparison quotes.
Richard Fox Agency – 1450 N Dysart Rd # A9 – Avondale, AZ 85323 – (623) 925-9100
Powers-Leavitt Insurance Inc – 1412 N Central Ave – Avondale, AZ 85323 – (623) 932-4652
Linda A Franklin Agency – 401 W Van Buren St # B – Avondale, AZ 85323 – (623) 882-8282
Kathy Roberts Insurance – 13065 W Mcdowell Rd – Avondale, AZ 85323 – (623) 877-8700
To view a full list of insurance agents in Avondale, view this link.
After getting satisfactory answers to any questions you have and locked in a price quote, you may have just found an insurance agency that can provide car insurance coverage.
You have the option to buy auto insurance direct online
Insurance agencies are a valuable resource, but Arizona drivers can also buy direct from companies that only sell online. Some companies that sell primarily through agents also give you the ability to buy direct online, and that can save time if finding the best price is important.
If you’re uneasy about not having an agent to talk to when shopping online, this really isn’t an issue. All companies that require consumers to choose their own coverages give you access to trained agents to walk you through the process.
Do people save by buying online? That is a tough question to answer since companies use quite a few components that influence the price you pay. Common sense would say that a shopper who purchases direct saves by not paying a commission. For most companies selling online, however, online and traditional media advertising are expensive so there may not be significant savings.
The best way to determine who has the best rates, online companies or local insurance agents, is to set aside time to compare rates from both. It’s fairly common that you receive different coverage costs using an online quote and an agent quote from the same car insurance company.
Final thoughts
As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. Too many times, someone sacrificed liability coverage limits only to find out that they should have had better coverage. Your focus should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
Drivers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, not issuing a premium refund, delays in responding to claim requests or high rates after DUI convictions. Regardless of your reason, switching companies is actually quite simple.
Additional detailed information can be read at the Arizona Department of Insurance website. Arizona drivers can learn about insurance regulations, read consumer alerts, read enforcement actions against agents and companies, and find a variety of consumer forms.
Additional helpful sites include this page for car insurance in Arizona and this link which helps you find a Avondale agent.
