When finding an insurance agent in Fountain Hills, Arizona, you can begin your search by comparing rates online instead of calling around. We’re assuming you’re wanting a great agent that can assess your needs, but you also want affordable coverage.
With companies like Farmers, Allstate, and independent agents having local Fountain Hills offices, it’s difficult to determine which one will have the cheapest rates and the best coverage. Thankfully, consumers can get online quoting to assemble a group of insurance agencies and price estimates.
How to buy auto insurance from an agent in Fountain Hills
Educated insurance agents are trained to spot inefficiencies and give you someone to call. The biggest benefit of getting online price quotes is you may find better rates but still work with a licensed agent. Buying from local agencies is important especially in Fountain Hills.
Once you complete this short form, your insurance data gets sent to local insurance agents who will compete for your insurance coverage. There is no need to leave your computer since price quotes are sent to your email. How cool is that?!
Below are Fountain Hills car insurance agents willing to provide comparison quotes.
State Farm Insurance – 16921 E Palisades Blvd # 107, Fountain Hills, AZ 85268 – (480) 837-1616
Perico Insurance – 16712 E Avenue Of The Fountain, Fountain Hills, AZ 85268 – (480) 837-0800
Allstate Insurance Co – 16715 E Palisades Blvd # 104, Fountain Hills, AZ 85268 – (480) 837-0266
Paulsrud Agency – 13239 N LA Montana Dr # 103b, Fountain Hills, AZ 85268 – (480) 816-1855
Farmers Insurance Group – 11803 N Saguaro Blvd, Fountain Hills, AZ 85268 – (480) 315-1180
American Family Insurance – 12035 N Saguaro Blvd # 205, Fountain Hills, AZ 85268 – (480) 836-8600
Choosing a car insurance agent shouldn’t rely on just the bottom line cost. Here are some questions to ask:
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How are claims handled?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Do they specialize in personal lines coverage?
- If your car is in the repair shop, do you have coverage for a rental car?
- Are they properly licensed to sell insurance in Arizona?
Upon receiving satisfactory answers to your questions and a good coverage price, chances are good that you have found a car insurance agent that will properly service your auto insurance policy.
Does buying direct online cost less?
Professional insurance agents are important to many people, but Arizona car insurance can also be bought directly from online companies. Certain auto insurance companies like State Farm and Allstate who sell through the agent channel also allow you to get a quote and buy online, and consumers should do that to possibly find a better rate.
If you’re concerned about not having professional advice, this is a normal reaction for first-time shoppers. Auto insurance companies that allow you to purchase coverage all provide contact methods you can use to get advice on coverages.
Are online premiums lower? That question is hard to answer since there are so many factors that are calculated into your premium. Some people think that a consumer who buys direct saves money because there is no agent involvement. For the majority of companies, however, marketing their products costs a lot of money and those expenses can offset most of the savings by selling direct.
A tidy conclusion
As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. In many cases, drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your aim should be to find the BEST coverage at the best price.
Low-cost auto insurance can be purchased online as well as from independent agents in Fountain Hills, and you should compare price quotes from both to have the best selection. A few companies don’t offer online quoting and these small insurance companies work with independent agents.
Additional auto insurance information can be read on the website for the Arizona Department of Insurance found here. Arizona drivers can find out which companies have the most complaints, report car insurance fraud, and get help finding coverage.