How-to Guide to Finding an Auto Insurance Agent in Sierra Vista

If you’re looking for a licensed insurance agent in Sierra Vista, you can always start your search by comparing prices online to save time. Chances are you’re looking for a decent agent, but also great rates as well.

With insurance companies like American Family, Allstate, State Farm and Farmers all competing for business in Sierra Vista, it’s hard to tell which provider will provide the cheapest rates and the best coverage. To begin, it’s easy to use online price quotes in order to build a list of insurance agents and thier coverage prices.

Buying car insurance locally

Licensed agents can help determine the best coverages and help file insurance claims. One of the best bonuses of price shopping on the web is the fact that you can find the lowest rates and still choose a local agent. Supporting small agencies is definitely important in Sierra Vista.

To make it easy to find an agent, after completing this quick form, your information is transmitted to participating agents in Sierra Vista who will battle for your business. You don’t have to leave your computer since price quotes are sent to the email address you provide. How’s that for easy!

Is a captive or independent auto insurance agent right for you?

When finding a local agent, there are a couple of different agency structures from which to choose. Agencies in Sierra Vista are classified as either captive or independent. Both types can do a good job, but it’s good to learn how they differ since it may influence buying decisions.

Independent Insurance Agents

These agents do not work for one specific company but rather can write business with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, an independent agent can move your coverage and you won’t have to switch agencies.

When searching for an agent, we recommend you include multiple independent agents to get the best comparison. Many write coverage with different regional companies which can be an advantage.

Listed below is a list of independent insurance agents in Sierra Vista that can give you rate quotes.

  • Joel Scudder Agency – 3676 E Fry Blvd – Sierra Vista, AZ 85635 – (520) 458-3666
  • Lasher Rockwell Agency Inc – 3965 E Foothills Dr # 1 – Sierra Vista, AZ 85635 – (520) 459-5564
  • Richey Insurance – 2700 E Fry Blvd # A3 – Sierra Vista, AZ 85635 – (520) 458-0170
  • Arizona Insurance Connection – 555 E Wilcox Dr # A – Sierra Vista, AZ 85635 – (520) 439-9353
Captive Agents

Captive agents can only write with one company like State Farm or Allstate. Captives cannot compare other company’s rates so they have no alternatives for high prices. These agents are well schooled on their company’s products and that can be a competitive advantage. Consumers frequently purchase coverage from captives mainly due to the brand legacy and strong financial ratings.

Shown below is a short list of captive insurance agents in Sierra Vista that are able to give comparison quotes.

  • American Family Insurance – 52 S Lenzner Ave – Sierra Vista, AZ 85635 – (520) 417-0912
  • Farmers Insurance Group – 2341 E Fry Blvd – Sierra Vista, AZ 85635 – (520) 459-0609
  • Farm Bureau Insurance – 1857 Paseo San Luis – Sierra Vista, AZ 85635 – (520) 439-0856
  • Allstate Insurance – 500 E Fry Blvd # L4 – Sierra Vista, AZ 85635 – (520) 459-5563
  • State Farm Insurance – 400 W Fry Blvd # 8 – Sierra Vista, AZ 85635 – (520) 458-7002

For a full directory of car insurance agents in Sierra Vista, simply jump to this page.

Picking an auto insurance agent shouldn’t rely on just a cheap price. Any agent should have no problem answering these questions:

  • Which members of your family are coverage by the policy?
  • Are there any hidden costs in their price quote and does it include driving and credit history?
  • What are the financial ratings for the companies they represent?
  • Did they already check your driving record and credit reports?
  • If you have an accident, will your rates go up?
  • If your car is totalled, how to they determine the replacement cost?
  • Do the coverages you’re quoting properly cover your vehicle?

After receiving satisfactory answers to all your questions and locked in a price quote, you may have just found an insurance agent that will service your policy.

Online car insurance companies

Car insurance agents are a valuable resource, but you also have the option of buying from companies direct over the internet. Some specific companies, such as Farmers Insurance and State Farm, who employ agents also give you the option to buy direct on their websites, and that can save time to possibly find a better rate.

If you’re worried about not getting advice from an agent when buying online, don’t let it bother you. All companies that allow you to purchase coverage provide phone numbers and online resources you can use to get advice on coverages.

If you just want to find lower premiums, the most effective way to determine if the best rates are online or from local agents is to compare price quotes from both. You could possible even receive different price quotes for the exact same company when comparing online quotes to a quote from an agent. But you can’t find out which has the best rates unless you get rate quotes using both methods.

Does car insurance cost less online? That is a tough question to answer since there are so many factors that impact your rate calculation. It would make sense to think that purchasing direct online saves by not paying a commission. In many cases, advertising budgets are huge and that can quickly cost more than paying an agent.

More information is available on the Arizona Department of Insurance website. Click here for link. Arizona consumers can find out which companies have the most complaints, view a list of available companies, and file complaints about a company.

Additional helpful sites include Auto Insurance 101 and this page of insurance agents in Sierra Vista.

Sierra Vista car insurance agent

More effort can pay off

Consumers who switch companies do it for a number of reasons such as lack of trust in their agent, high prices, delays in responding to claim requests or even delays in paying claims. It doesn’t matter why you want to switch finding the right car insurance provider can be pretty painless.

As you prepare to switch companies, you should never skimp on coverage in order to save money. Too many times, someone dropped liability coverage limits only to regret that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.