When trying to find a good El Mirage agent, you can begin your search by getting online comparison quotes to save yourself time. We’re assuming you’re wanting a friendly agent, but you also need the best rates possible.
With companies like State Farm, Allstate, Farmers and independent agents having offices in El Mirage, it’s hard to tell which auto insurance agent will provide you with the best rates, service and coverage. To help decide, consumers can use insurance quotes online in order to build a list of agencies from which to choose.
Quote online, buy local
Insurance agents can help determine the best coverages and help file insurance claims. One of the great benefits of getting online price quotes is you may find better rates but also keep your business local. Buying from local insurance agencies is important particularly in El Mirage.
By using this short form, your information is immediately sent to agents in your area who will give you bids for your insurance coverage. You don’t have to leave your computer because quoted prices will be sent straight to your inbox. How’s that for easy! You can find the lowest rates and a licensed agent to work with.
Choose the right car insurance agent
When researching a good El Mirage insurance agent, you need to know there are two different agency structures that differ in how they can insure your vehicles. Insurance agencies in El Mirage can either be independent (non-captive) or captive.
Independent Agencies or Brokers
Independent insurance agents are not employed by any specific company so they have the ability to put coverage amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you don’t have to find a new agent. When comparing rates, we recommend you include price quotes from at a minimum one independent agency to get the best comparison.
Below are El Mirage independent agents that may be able to provide pricing information.
Oasis Insurance – 11922 W Thunderbird Rd – El Mirage, AZ 85335 – (623) 933-2221
Arizona Amigos Insurance LLC – 12420 W Thunderbird Rd – El Mirage, AZ 85335 – (623) 556-5658
Captive Agents
Captive agents write business for a single company such as Farmers Insurance, American Family, State Farm and Allstate. They are unable to compare other company’s rates so keep that in mind. They are trained well in insurance sales and that can be a competitive advantage.
Picking an insurance agency should depend on more than just the price. These are valid questions to ask:
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is the agency involved in supporting local community causes?
- How many years of experience in personal lines insurance coverages do they have?
- Who are their largest clients?
- Can they give you a list of client referrals?
- Are they properly licensed to sell insurance in Arizona?
- Will their companies depreciate repairs to your car based on the mileage?
Once you have received positive responses to any questions you have and locked in a price quote, chances are good that you have found an insurance agency that meets your needs to insure your vehicles.
Have you considered online alternatives?
Licensed agents can be invaluable at times, but Arizona drivers can also buy direct from companies online. Some companies who employ agents also give you the option to buy direct online, and consumers should do that if the lowest rate is your goal.
If you’re uncomfortable with selecting your own policy coverages when buying direct, this is a normal reaction for first-time shoppers. All companies all have toll-free customer service for getting questions answered. Consumers also can use the ability to chat online live with a sales rep and online research to help you answer questions.
Is online auto insurance cheaper? Many people think so, but it’s hard to say for sure because there are so many things that can increase policy rates. Many people think that shopping online for auto insurance prevents the agent from taking a cut. But truthfully, advertising budgets are huge and that can quickly cost more than paying an agent.
The only way to determine who has the best deal, local agents or online insurance companies, is to compare price quotes from both. You may actually get a different price comparing agents to online prices from exactly the same company.
Much more information about car insurance in Arizona can be read on the website for the Arizona Department of Insurance located here. Arizona consumers can find a variety of consumer forms, read industry bulletins, learn about specific coverages, and find disaster information.
Other informative sites include NAIC.org’s Understanding your Policy and this page of insurance agents in El Mirage.
And the best car insurance company is…
When shopping online for car insurance, it’s very important that you do not buy poor coverage just to save money. There are many occasions where an insured dropped uninsured motorist or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.
Drivers switch companies for a number of reasons such as high prices, unfair underwriting practices, questionable increases in premium or being labeled a high risk driver. It doesn’t matter why you want to switch finding a great new company is not as difficult as it may seem.
