How to Compare Auto Insurance Rates From Payson Insurance Agents

If you’re trying to find a licensed insurance agent in Payson, it’s recommended you do an initial search for an agent online to save yourself time. Chances are good you require not only a professional licensed agent, but you also want to find the best rates possible.

With companies like State Farm, Allstate and Farmers Insurance all competing for your business, consumers have a hard time knowing which auto insurance agent will provide the best service and rates. To help decide, you can use online price quotes in order to build a list of agents from which to choose.

How to buy auto insurance from an agent in Payson

Educated insurance agents can point out coverage gaps and help file insurance claims. One of the great benefits of price shopping on the web is the fact that you can find better rates but still work with a licensed agent. Buying from local businesses is important especially in Payson.

After filling out this quick form, the coverage information is immediately sent to insurance agents in Payson who will give you bids to get your business. You won’t need to visit any agencies since price quotes are sent to your email. How’s that for easy! You can find the lowest rates without the usual hassles of price shopping.

The different types of insurance agents

When searching for a reliable agent, you need to know there are two different types of agents from which to choose. Payson agents are categorized either independent or captive.

Independent Agents

These agents are not required to write business for one company so they can insure your vehicles amongst many companies depending on which coverage is best. To transfer your coverage to a different company, your agent can switch companies and you don’t have to find a new agent. When comparing rates, it’s recommended you include price quotes from multiple independent agents to ensure the widest selection of prices.Many can place coverage with different regional companies who may have lower rates.

The following is a list of independent insurance agencies in Payson who may be able to give you comparison quotes.

  • Farm Bureau Insurance – 100 W Roundup Rd – Payson, AZ 85541 – (928) 474-1775
  • Wolf Agency – 903 N Beeline Hwy # A – Payson, AZ 85541 – (928) 472-6698
  • Crabdree Insurance and Financial – 111 W Cedar Ln # A – Payson, AZ 85541 – (928) 474-2265
Captive Insurance Agents

Captive agencies have only one company to place business with such as AAA, Allstate and State Farm. These agents are not able to compare other company’s rates so keep that in mind. These agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums. Some people will only choose to use a captive agent mainly due to loyalty to the company and the convenience of having a single billing for all their coverages.

Listed below are Payson captive insurance agents willing to provide comparison quotes.

  • Farmers Insurance Group – 1100 N Beeline Hwy # C – Payson, AZ 85541 – (928) 474-5201
  • Allstate Insurance Co – 400 E State Highway 260 # R – Payson, AZ 85541 – (928) 472-6064
  • State Farm Insurance – 902 S Beeline Hwy – Payson, AZ 85541 – (928) 468-6530
  • Farm Bureau Insurance – 100 W Roundup Rd – Payson, AZ 85541 – (928) 474-1775

To view a full list of captive insurance agents in Payson, please click here.

Picking an insurance agency should depend on more than just a low price. Agents should be asked these questions:

  • Will their companies depreciate repairs to your car based on the mileage?
  • How often do they review policy coverages?
  • Do they feel the quoted coverages are adequate?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Can they provide you with a list of referrals?
  • Does the company allow you to choose your own collision repair facility?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

Upon receiving positive feedback to all your questions and an acceptable price quote, you have narrowed it down to an insurance agent that can provide auto insurance coverage.

Can I save by cutting out the agent?

Professional insurance agents are perfect for certain consumers, but you also have the option of buying Arizona car insurance from online companies direct. Even companies like State Farm and Allstate who sell through the agent channel also give you the option to get a quote and buy online, so that should be considered if you prefer not to work with an agent.

If you’re anxious about choosing your own coverages when shopping online, that should not be a issue. Car insurance companies provide options for answering any questions you have. In addition, they usually offer online education and live help anytime that can help answer basic questions.

If you’re not set on any one company, the best way to find out who has the best deal, local agents or online insurance companies, is comparing prices for both of them. You can actually get different rates when quoting both agents prices and online prices from the SAME company.

Do online companies provide lower prices? That is a tough question to answer because there are so many things that determine your policy premium. It’s a common assumption that a shopper who purchases direct cuts out the middleman. For the majority of companies, however, getting their brand in front of customers is expensive so the lack of a commission may be a wash.

Smart consumers save more

Drivers change insurance companies for any number of reasons including unfair underwriting practices, policy cancellation, poor customer service and even delays in responding to claim requests. Regardless of your reason, finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

Payson AZ car insurance agent

As you shop your coverage around, do not sacrifice coverage to reduce premiums. There have been many situations where an insured dropped physical damage coverage and discovered at claim time they didn’t purchase enough coverage. The aim is to find the BEST coverage for the lowest price while still protecting your assets.

For more information

Additional auto insurance information is available on the Arizona Department of Insurance website through this link. Consumers can read enforcement actions against agents and companies, find out which companies have the most complaints, and download brochures.