When buying auto insurance in Bullhead City, finding the best Arizona insurance agent takes more work than just making a phone call. Consumers need a good agent that listens to you, and also want to find cheaper auto insurance prices.
With consumers having so many insurance providers from which to choose, it can be hard to choose the cheapest provider.
Online quotes help locate Bullhead City agents
Professional agents can help determine the best coverages and help you file claims. One of the best bonuses of comparing rates online is you can get the lowest rates but still work with a licensed agent.
After filling out this short form, your insurance data is instantly submitted to local insurance agents in Bullhead City who will compete for your insurance coverage. You never need to even leave your home as quotes are delivered immediately to your email address. How’s that for easy! You can find the lowest rates without the usual hassles of price shopping.
Selecting an insurance agent requires more thought than just the bottom line cost. These questions are important to ask:
- Are there any discounts that you might be missing?
- Does the agent have professional designations like CIC, CPCU or AIC?
- How long has their agency been open in Bullhead City?
- How are claims handled?
- Does the agency have a good rating with the Better Business Bureau?
- Are claim adjusters local or do you have to take your car somewhere else?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Is vehicle mileage a factor when determining depreciation for repairs?
Is a captive or independent insurance agency right for you?
When searching for a good insurance agency, you need to know there are two types of insurance agents from which to choose. Agencies in Bullhead City are classified as either captive or independent (non-captive).
Captive Agents
Captive agents can only write with one company like Allstate, Farmers Insurance, State Farm and AAA. They generally cannot give you multiple price quotes so they are skilled at selling on more than just price. Captive agents are well schooled on their company’s products which helps them sell insurance even at higher premiums.
Shown below are captive agencies in Bullhead City that can give you rate quotes.
Farm Bureau Insurance – 2071 Highway 95 # A – Bullhead City, AZ 86442 – (928) 763-8464
American Family Insurance – 1355 Ramar Rd # 3 – Bullhead City, AZ 86442 – (928) 704-5510
Allstate Insurance – 1848 Highway 95 – Bullhead City, AZ 86442 – (928) 763-3749
Farmers Insurance Group – 3712 Highway 95 # 2 – Bullhead City, AZ 86442 – (928) 763-4841
Independent Agents
These agents are not required to write business for one company but rather can write business with multiple insurance companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent. When comparing rates, it’s recommended you include at least one independent agent to ensure the widest selection of prices.
Listed below is a list of independent insurance agents in Bullhead City willing to provide price quotes.
Applewhite Insurance – 1285 Hancock Rd # C – Bullhead City, AZ 86442 – (928) 758-7961
City Wide Insurance Ctr – 1812 Highway 95 # 24 – Bullhead City, AZ 86442 – (928) 763-6466
For a full directory of auto insurance agents in Bullhead City, visit this site.
Once you have received positive feedback and an affordable coverage quote, you may have just found an auto insurance agent that can service your policy.
Can you buy online and save?
Car insurance agents are perfect for certain consumers, but Arizona consumers also have the option to buy from companies direct over the internet. A few companies, such as State Farm, Allstate and Farmers, who have local agents in Bullhead City also permit you to quote and buy online, so keep that in mind.
If you’re concerned about selecting your own policy coverages, this is a normal reaction for first-time shoppers. Online insurance companies all have toll-free customer service to answer any questions you may have. Many online companies also provide a frequently asked questions page to help you answer questions.
Does car insurance cost less online? It’s difficult to say for sure due to the fact that there are many factors which can raise or lower premium rates. Common sense would say that shopping direct saves the commission normally paid to an agent. But in reality, advertising and marketing take a lot of money so the rates may be similar to buying from an agent.
Additional resources for Arizona consumers
More tips and info about auto insurance is located at the Arizona Department of Insurance website. Consumers can read industry bulletins, find out industry alerts, and get help finding coverage.
Additional helpful sites include Auto Insurance 101 and this page on QuoteClickInsure.com.
Online plus local equals savings
Affordable auto insurance is attainable on the web as well as from independent agents in Bullhead City, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.
When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. Too many times, an insured cut comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage at the best price while still protecting your assets.
