If you’re looking to buy auto insurance, you have many choices and finding the best Arizona insurance agency takes more work than just calling the closest agent. For this article’s sake, it’s assumed you’re looking for a friendly agent, but also the best rates possible.
With companies like State Farm, Allstate and Farmers Insurance having offices in Douglas, it’s hard to tell which will give you the best rates, service and coverage. Fortunately, consumers can use online quotes in order to build a list of agencies to choose from.
Buying auto insurance from a local Douglas agent
Insurance agents are trained to spot inefficiencies and help submit paperwork. One of the best bonuses of getting online price quotes is you can get better rates but also keep your business local. Supporting small agencies is definitely important in Douglas.
Upon completion of this form (opens in new window), your insurance data is immediately sent to participating agents in Douglas who will battle to get your business. You never need to leave your computer because quoted prices will be sent directly to your email. How cool is that?! You can find the lowest rates and work with a local agent.
Types of car insurance agents in Douglas
When looking for a good insurance agency, there are two different types of agents to choose from. Agencies in Douglas are classified as either captive or independent (non-captive).
Independent Agents
These agents are not locked into one company but instead can place your coverage with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies. When comparing rates, it’s recommended you contact at least one independent agent for maximum quote selection.
Below are Douglas independent insurance agents that can give you competitive price quotes.
Douglas Insurance Ctr – 1340 F Ave # A – Douglas, AZ 85607 – (520) 364-5409
Rivas Insurance – 1340 F Ave # C – Douglas, AZ 85607 – (520) 805-1600
Captive Insurance Agents
Captive insurance agents are contracted to one company such as State Farm or Allstate. They generally cannot give you multiple price quotes so always compare other rates. Captive agents are very knowledgeable on their products and sales techniques and that can be a competitive advantage.
Below are captive agents in Douglas that can give you price quotes.
Farmers Insurance Group – 1350 N San Antonio Ave – Douglas, AZ 85607 – (520) 364-3446
To view a complete directory of auto insurance agents in Douglas, please click here.
Selecting an insurance agent requires more thought than just the price. These questions are important to ask:
- Is working in the agency their full-time job?
- Who are their largest clients?
- Is their price quote a firm figure or are their hidden costs?
- How many years of experience in personal lines insurance coverages do they have?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they specialize in personal lines coverage?
- Can they give you a list of client referrals?
Once you have received positive responses to your questions as well as a affordable price, you’ve probably found a car insurance agent that will properly insure your vehicles.
What if I want to shop online?
Professional insurance agents serve a purpose, but Arizona drivers can also buy direct over the internet. Even companies who sell through agents in Douglas also give you the ability to get a quote and buy online, so this should also be taken into consideration to possibly find a better rate.
If you’re worried about not having an insurance agent’s advice when buying car insurance direct, don’t let it bother you. Insurance companies provide customer service to walk you through the process.
Is it cheaper to buy online? The answer to that question is complicated because of the number of factors that impact your premium. It’s a logical assumption that buying direct saves the commission normally paid to an agent. But the fact is, there are high advertising and marketing costs and this tends to eat up any savings.
Final considerations
When you buy insurance online, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped full coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to buy enough coverage at the best price.
Affordable auto insurance is possible online and also from your neighborhood Douglas agents, and you need to comparison shop both to have the best selection. A few companies may not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
Learn more about auto insurance in Arizona
Additional auto insurance information can be found on the website for the Arizona Department of Insurance found here. Consumers can download brochures, get help finding coverage, file complaints about a company, and read state legal mandates and laws.
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