Selecting a car insurance company in Paradise Valley, AZ can be time consuming since there are a lot of options and choosing the right Paradise Valley car insurance agent is not as easy as just using the same auto insurance agent as your neighbor. Consumers require a decent agent, and also the lowest rates for car insurance in Paradise Valley.
Big companies like Progressive, Geico and Farmers Insurance all claim big savings, bombarding you with fancy advertisements and consumers find it hard to not get sucked in by the cute commercials and find the best price available.
Why do I need an agent?
Agents can answer important questions and give you peace of mind. The best thing about comparing insurance prices online is the fact that you can find lower rates and still choose a local agent.
By using this quick form, your information is submitted to agents in your area who will battle for your insurance coverage. There is no reason to even leave your home as quotes are delivered directly to your email. Now that’s easy!
Picking an insurance agency shouldn’t rely on just the price. Any agent should be forthright in answering these questions:
- Which company do they place the most coverage with?
- Who is covered by the car insurance policy?
- How much can you save by raising your physical damage deductibles?
- Who are their largest clients?
- Do they carry Errors and Omissions coverage?
- Did they already check your driving record and credit reports?
- Does the agent have professional designations like CIC, CPCU or AIC?
- What will you get paid if your car is a total loss? How is that amount determined?
Insurance agent types
If you’re trying to find a reputable insurance agent or broker, you must know there are a couple types of insurance agents that you can select. Insurance agencies in Paradise Valley are categorized either captive or independent. While both can properly insure your vehicles, but it’s important to know the difference between them since it may influence the type of agent you choose
Captive Agents
Captive agents have only one company to place business with like State Farm, Allstate and AAA. These agents are not able to place coverage with different providers so they have no alternatives for high prices. Captive agents receive extensive training on their products and sales techniques and that can be a competitive advantage. Some people will only purchase coverage from captives mainly due to the prominence of the brand and the convenience of having a single billing for all their coverages.
Shown below are captive insurance agencies in Paradise Valley who can help you get price quote information.
- American Family Insurance – 10243 N Scottsdale Rd # 1 – Paradise Valley, AZ 85253 – (480) 922-8372
Independent Agents
These agents are not locked into one company but instead can place your coverage amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency. When comparing rates, it’s recommended you include at least one independent agent to ensure the widest selection of prices. They often place coverage with smaller regional carriers which can save you money.
The following are Paradise Valley independent agencies that are able to give rate quotes.
- New Concepts Insurance – 10243 N Scottsdale Rd # 4 – Paradise Valley, AZ 85253 – (480) 991-3062
For a complete listing of insurance agents in Paradise Valley, simply jump to this page.
After getting reasonable responses to any questions you have and an acceptable price quote, chances are good that you have found an insurance agency that will adequately provide car insurance.
Also consider buying auto insurance direct
Insurance agents serve a purpose, but you also have the option of buying Arizona car insurance direct online. Some companies who have local agents in Paradise Valley also let you buy direct on their websites, and that is helpful if you prefer to buy online.
If you’re concerned about not having an insurance agent’s advice when buying direct, don’t let it bother you. Auto insurance companies that require consumers to choose their own coverages give you access to trained agents for getting the best coverage. You can also use a frequently asked questions page to help you make a buying decision.
The only method to determine whether prices are lower online or from agents is comparing rate quotes from both. You can actually get different rates for the exact same company when they use both methods.
Can you save money buying online? Many people think so, but it’s hard to say for sure due to the fact that there are many factors which can adversely affect your policy premium. Many people think that buying directly from the company cuts out the middleman. But in reality, online and traditional media advertising are expensive and that can quickly cost more than paying an agent.
Best coverage at the best price
Insureds change insurance companies for any number of reasons including high rates after DUI convictions, being labeled a high risk driver, high prices and even an unsatisfactory settlement offer. No matter why you want to switch, finding a great new company can be less work than you think.
As you restructure your insurance plan, do not reduce coverage to reduce premium. There are a lot of situations where someone sacrificed full coverage only to regret at claim time that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at the best price while not skimping on critical coverages.
Additional detailed information can be read at the Arizona Department of Insurance website. Visitors are able to find a variety of consumer forms, read consumer alerts, and find out which companies have the most complaints.
