How to Compare Car Insurance Rates From Flagstaff Insurance Agencies

Finding good car insurance in Flagstaff can be challenging since choosing the right Flagstaff insurance agency is more difficult than just randomly choosing from the yellow pages. Chances are you want a decent agent, but also the best rates possible.

With Allstate, Farmers and State Farm as well as independent agents all competing for your business, it’s hard to tell which insurance agency will have the lowest rates and best service. To begin, consumers can use online quoting to assemble a group of agents from which to choose.

Online price comparisons from Flagstaff agents

Agents can point out coverage gaps and help in the event of a claim. One of the best bonuses of comparing insurance prices online is you can get better rates but also keep your business local. And supporting local agencies is important particularly in Flagstaff.

For easy comparison, once you complete this simple form, the coverage information is emailed to participating agents in Flagstaff who will battle to get your business. You never need to leave your computer since price quotes are sent to the email address you provide. It doesn’t get any easier! You’ll get the best rates without the usual hassles of price shopping.

What types of auto insurance agents are in Flagstaff?

When finding a reputable insurance agent or broker, you need to know there are two types of insurance agents from which to choose. Agents are classified as either captive or independent (non-captive).

Independent Agents (or Brokers)

Independent agents are not employed by any specific company but instead can place your coverage with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies. When comparison shopping, you should always get quotes from at least one independent agent to get the best comparison.

Shown below are Flagstaff independent agents who may be able to give you price quotes.

Phil Sammons Agency – 603 N Beaver St # B – Flagstaff, AZ 86001 – (928) 779-1394
HMB Insurance – 1308 S Plaza Way – Flagstaff, AZ 86001 – (928) 779-3652
Farm Bureau Insurance – 5200 E Cortland Blvd # 120 – Flagstaff, AZ 86004 – (928) 527-1343
Halstead Agency – 323 N Leroux St # 301 – Flagstaff, AZ 86001 – (928) 774-3175

Captive Insurance Agents

Captive insurance agents can only place business with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They generally cannot shop your coverage around so they are skilled at selling on more than just price. Captive agencies are well schooled on their company’s products which helps them compete with independent agents.

Below are Flagstaff captive insurance agents that can give you rate quotes.

American Family Insurance – 1016 W University Ave # 103 – Flagstaff, AZ 86001 – (928) 774-2912
Allstate Insurance – 2025 N 4th St – Flagstaff, AZ 86004 – (928) 774-5005
Farmers Insurance Group – 1794 E Route 66 – Flagstaff, AZ 86004 – (928) 774-3553
Farm Bureau Insurance – 5200 E Cortland Blvd # 120 – Flagstaff, AZ 86004 – (928) 527-1343
State Farm Insurance – 1515 E Cedar Ave # A-4 – Flagstaff, AZ 86004 – (928) 774-0657

To view a full list of car insurance agents in Flagstaff, please go to this site.

Choosing an insurance agency needs to be determined by more than just a low price. Agents should be asked these questions:

  • Are you getting all the discounts the company offers?
  • Do they review policy coverages at every renewal?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • Will their companies depreciate repairs to your car based on the mileage?
  • Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
  • Does the agency support the community they serve?

After getting acceptable answers to all your questions in addition to an acceptable price estimate, you have narrowed it down to an insurance agent that meets your needs to provide car insurance coverage.

Do online insurance companies cost less?

Licensed agents are important to many people, but Arizona consumers also have the option to buy direct from companies online. Even companies, such as State Farm, Allstate and Farmers, who sell through the agent channel also let you quote and buy online, so that should be considered if you’re trying to lower your rates.

If you’re worried about selecting your own policy coverages when buying direct, that is quite common when buying online the first time. Online companies that allow you to purchase coverage provide options for customer questions.

Will auto insurance cost less online? Many people swear by it, but it’s difficult to answer because there are many factors that are calculated into your premium. It’s a common assumption that buying car insurance online prevents the agent from taking a cut. For most companies selling online, however, getting their brand in front of customers is expensive so the rates may be similar to buying from an agent.

Flagstaff car insurance agent

The best insurance company isn’t always the cheapest

People change insurance companies for any number of reasons including denial of a claim, being labeled a high risk driver, poor customer service or lack of trust in their agent. It doesn’t matter what your reason, switching companies is not as hard as you think.

Budget-conscious car insurance is attainable online in addition to many Flagstaff insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get a quote online and these small, regional companies work with independent agents.

Online resources for education

Much more information about car insurance in Arizona is located on the website for the Arizona Department of Insurance. Click here for link. Visitors are able to view a list of available companies, view agent and company licensing information, download brochures, and learn about specific coverages.

Other useful links include Wikipedia and this page where you can research Flagstaff insurance agents.