To find a good insurance agent in Goodyear, Arizona, we recommend you do an initial search by getting online comparison quotes rather than looking in the yellowpages. The chances are good you want a professional agent, but you also want to find affordable coverage.
With companies like Farmers, Allstate, and independent agents all competing for business in Goodyear, it can be hard to know which provider will provide the best service and rates. To begin, you can use online price quotes to build a list of insurance agents and thier coverage prices.
Local Goodyear agents and auto insurance
Licensed agents can point out coverage gaps and give you someone to call. The best thing about price shopping on the web is the fact that you can find better rates and still choose a local agent. Buying from local agencies is important especially in Goodyear.
For easy comparison, once you complete this quick form, the quote information is sent to insurance agents in Goodyear who will return price quotes for your business. You never need to leave your computer because quoted prices will be sent straight to your inbox. How cool is that?!
Independent or Captive: It’s your choice
When researching a good insurance agency, there are two different types of agents that you can select. Agents are classified as either captive or independent (non-captive). While both can do a good job, but it’s good to learn how they differ because it can influence your selection of an agent.
Independent Agents (or Brokers)
These agents do not work for one specific company but instead can place your coverage amongst many companies and potentially find a lower price. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent.
When comparing rates, it’s recommended you get quotes from at least one independent agent to get the best comparison.
Listed below are Goodyear independent agencies who may be able to give you competitive price quotes.
Fenix Insurance – 1616 N Litchfield Rd # 240 – Goodyear, AZ 85338 – (602) 548-8474
Freddie Ram Insurance – 250 N Litchfield Rd – Goodyear, AZ 85338 – (623) 882-8049
Captive Insurance Agents
Captive agents write business for a single company such as American Family, Liberty Mutual and AAA. These agents are unable to place coverage with different providers so always compare other rates. These agents are very knowledgeable on the products they sell which can be an advantage.
Listed below is a short list of captive agencies in Goodyear that can give you rate quotes.
Allstate Insurance Co – 219 N Litchfield Rd – Goodyear, AZ 85338 – (623) 932-3296
Farmers Insurance Group – 14122 W Mcdowell Rd – Goodyear, AZ 85338 – (623) 925-9411
American Family Insurance – 1616 N Litchfield Rd # 135 – Goodyear, AZ 85338 – (623) 535-5836
State Farm Insurance – 1616 N Litchfield Rd # 125 – Goodyear, AZ 85338 – (623) 878-3401
Farm Bureau Insurance – 3673 S Bullard Ave # 101 – Goodyear, AZ 85338 – (623) 925-0190
For a full directory of Goodyear captive insurance agents, visit this site.
Choosing an auto insurance agent should depend on more than just the price. Here are some questions to ask:
- Do they make recommendations based only on price?
- How are claims handled?
- Do they feel the quoted coverages are adequate?
- Which members of your family are coverage by the policy?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Did they already check your driving record and credit reports?
After receiving answers to your satisfaction to your questions in addition to an acceptable price estimate, you may have just found an auto insurance agent that can adequately provide auto insurance.
Include online companies when price shopping
Car insurance agents are perfect for certain consumers, but Arizona car insurance can also be bought from online companies direct. Even companies who employ agents also give you the option to buy a policy online, so keep that in mind if you don’t want to take the time to contact agents.
If you’re uneasy about not receiving proper advice, this is normal but is quickly overcome. Companies provide access to licensed agents you can use to get advice on coverages.
Are online premiums lower? It’s difficult to provide an answer due to the large number of individual components that can increase policy rates. It’s a common assumption that buying directly from the company prevents the agent from taking a cut. But truthfully, promoting brand recognition is pricey so this can offset any savings.
When shopping for low rates, the only way to find out who has the best rates, online companies or local insurance agents, is to take the time to compare rates from both. You can actually get different rates from the same car insurance company from their online quote form as compared to an agent.
More comparisons equals lower rates
When shopping online for auto insurance, it’s very important that you do not reduce coverage to reduce premium. Too many times, an insured cut uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.
Drivers leave their current company for a variety of reasons including questionable increases in premium, lack of trust in their agent, policy non-renewal or not issuing a premium refund. It doesn’t matter what your reason, finding a new company can be pretty painless.
Additional auto insurance information is located on the website for the Arizona Department of Insurance found here. Visitors are able to learn about insurance regulations, find a variety of consumer forms, and find out which companies have the most complaints.