Five Minute Guide to Searching for a Prescott Car Insurance Agent

Comparing car insurance rates in Prescott can be a lot of work since selecting the best Prescott insurance agency for your needs takes more work than just randomly choosing from the yellow pages. Consumers need a competent insurance agent, but also the lowest rates in Prescott.

With consumers having so many choices of insurance companies, it can be challenging to pick the most affordable company.

Neighborhood insurance agents

Insurance agents can point out coverage gaps and help submit paperwork. The biggest benefit of comparing rates online is the fact that you can find the best rates but still work with a licensed agent.

To find an agent, once you fill out this simple form, your insurance data is sent to insurance agents in Prescott who will give you bids for your insurance coverage. There is no need to visit any agencies as quotes are delivered immediately to your email address. It doesn’t get any easier! You can find better rates AND a local agent.

Picking an auto insurance agent should depend on more than just a low price. These are valid questions to ask:

  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Does the agency have a good rating with the Better Business Bureau?
  • What insurance company do they write the most business with?
  • What are the financial ratings for the companies they represent?
  • Do they receive special compensation for putting your coverage with one company over another?

The type of insurance agent you choose is important

When researching a local agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Prescott agents are categorized either captive or independent.

Captive Insurance Agents

This type of agents can only write with one company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They are unable to give you multiple price quotes so they have to upsell other benefits. Captive agents receive extensive training in insurance sales which can be an advantage.

The following is a short list of captive agencies in Prescott that can give you price quote information.

American Family Insurance – 3609 Crossings Dr # B – Prescott, AZ 86305 – (928) 771-2333
Farm Bureau Insurance – 3005 N US Highway 89 – Prescott, AZ 86301 – (928) 778-9350
State Farm Insurance – 2971 Willow Creek Rd – Prescott, AZ 86301 – (928) 445-8500
Farmers Insurance Group – 3110 Clearwater Dr – Prescott, AZ 86305 – (928) 777-0939
Allstate Insurance Co – 401 Whipple St – Prescott, AZ 86301 – (928) 778-7211

Independent Agencies or Brokers

These agents do not work for one specific company so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move the coverage in-house and that require little work on your part.

When searching for an agent, it’s recommended you include price quotes from several independent insurance agents for the best price selection.

The following are Prescott independent insurance agents willing to provide comparison quotes.

Ken Melton Insurance – 711 Whipple St – Prescott, AZ 86301 – (928) 708-9474
Anchor Insurance Svc-Prescott – 1130 Willow Creek Rd # B – Prescott, AZ 86301 – (928) 778-5344
Rich Ratcliffe Agency – 1151 W Iron Springs Rd # C – Prescott, AZ 86305 – (928) 445-7700
Julia Killian Agency – 504 E Sheldon St # B – Prescott, AZ 86301 – (928) 776-8884
Darren Moll Agency – 525 E Gurley St – Prescott, AZ 86301 – (928) 778-9399

For a complete listing of insurance agents in Prescott, go to this page.

Once you have positive responses for all questions you ask and a good coverage price, most likely you have located an auto insurance agent that will insure your vehicles.

Is buying direct online an option?

Local insurance agents are indespensible for some people, but you can also buy Arizona car insurance direct over the internet. Some car insurance companies like Allstate and State Farm who employ agents also allow consumers to buy direct on their websites, so this should also be taken into consideration.

If you’re anxious about whether or not you’ll have guidance when buying direct, that shouldn’t be an issue. All companies provide access to licensed agents to answer your questions. They also offer help pages and frequently asked questions so buying online is not difficult.

Prescott insurance agents

Can you find lower rates online? It’s difficult to say for sure since companies use quite a few components which can adversely affect your policy premium. You may think that a consumer who buys direct cuts out the middleman. But that assumption is generally incorrect because marketing their products costs a lot of money and that impacts the rates consumers pay.

Additional detailed information can be read at the Arizona Department of Insurance website. Consumers can view agent and company licensing information, find out industry alerts, and find out which companies have the most complaints.

Quote more, save more

Affordable car insurance is available from both online companies in addition to many Prescott insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not provide online price quotes and these smaller companies work with independent agents.

People leave their current company for a number of reasons such as delays in responding to claim requests, not issuing a premium refund, being labeled a high risk driver or even lack of trust in their agent. Whatever your reason, switching car insurance companies is less work than it seems.