Consumer Information for Searching for a Cottonwood Car Insurance Agent

If you’re trying to find an insurance agent in Cottonwood, Arizona, you can always begin your search online instead of calling around. It’s highly likely you’re not only searching for a competent insurance agent, but you also need great rates as well.

With companies like American Family, Allstate, State Farm and Farmers all competing for business in Cottonwood, it’s difficult to determine which insurance agency will provide the best service and rates. Fortunately, consumers can get online price quotes to assemble a group of insurance agents from which to choose.

Online quotes help locate Cottonwood agents

Educated insurance agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of comparing insurance prices online is that you can obtain the best rates but also keep your business local. Buying from small agencies is especially important in Cottonwood.

After completing this short form, the coverage information is instantly submitted to local insurance agents in Cottonwood who will give you bids to get your business. There is no reason to drive around because quoted prices will be sent directly to your email. It doesn’t get any easier!

What type of Cottonwood insurance agent is right for you?

When finding a local agent, you need to know there are two types of insurance agents from which to choose. Cottonwood agents are classified as either independent (non-captive) or captive. While both can do a good job, but it’s worth learning how they are different because it can impact the type of agent you choose

Independent Insurance Agents

Independent agents are not required to write business for one company but rather can write business with lots of companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent. When comparing rates, it’s a good idea to contact several independent insurance agents to get the best comparison.

The following are independent agencies in Cottonwood willing to provide rate quotes.

American National Insurance Co – 142 S Main St – Cottonwood, AZ 86326 – (928) 634-3030
Jim Moeny Insurance and Fncl Svc – 701 W Mesquite Dr – Cottonwood, AZ 86326 – (928) 649-2255

Captive Agents

Captive insurance agents work for only one company and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. Captives cannot give you multiple price quotes so they have to upsell other benefits. Captive agencies are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums.

The following is a list of captive insurance agencies in Cottonwood willing to provide price quotes.

State Farm Insurance – 879 Cove Pkwy – Cottonwood, AZ 86326 – (928) 634-2763
Farm Bureau Insurance – 1759 E Villa Dr # 111 – Cottonwood, AZ 86326 – (928) 649-8686
Allstate Insurance Co – 56 S Main St # 6 – Cottonwood, AZ 86326 – (928) 649-1797
Farmers Insurance Group – 703 S Main St # 4 – Cottonwood, AZ 86326 – (928) 634-8911
American Family Insurance – 120 N Main St – Cottonwood, AZ 86326 – (928) 639-3701

For a full directory of captive insurance agents in Cottonwood, please view this page.

Picking an insurance agency shouldn’t rely on just a low price. Any agent should have no problem answering these questions:

  • Does the agency support the community they serve?
  • How are they compensated?
  • Are they full-time agents?
  • Can they give you a list of client referrals?
  • How are claims handled?

Upon getting reasonable responses to your questions as well as a affordable price, it’s possible that you found an insurance agency that meets your needs to insure your vehicles.

But what about online car insurance?

Insurance agents are perfect for certain consumers, but Arizona drivers can also buy direct from companies that only sell online. Some specific companies, such as Farmers Insurance and State Farm, that are more known for using agents, also permit you to buy direct online, and online price comparisons are easy if you prefer to buy online.

If you’re worried about selecting your own policy coverages when buying direct, that should not be a issue. Companies give you access to trained agents for answering any questions you have. Also available are the ability to chat online live with a sales rep and online research to help with the buying process.

Is car insurance cheaper online? It’s difficult to provide an answer because of the fact that insurance companies use many factors that impact your rate calculation. Common logic is that purchasing direct online cuts out the agent as a middleman. For most online online companies, however, online and traditional media advertising are expensive and this drives up their premium costs.

One last thing

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Budget-conscious car insurance is attainable both online as well as from independent agents in Cottonwood, so you should compare both to have the best chance of lowering rates. There are still a few companies who don’t offer online price quotes and most of the time these smaller companies sell through independent agents.

Much more information about car insurance in Arizona is available on the website for the Arizona Department of Insurance found here. Visitors are able to report car insurance fraud, download brochures, and view a list of available companies.