Marana Insurance Agents – Which is Best for Your Needs?

To locate a good insurance agent in Marana, AZ, you can start your search on the internet in order to save time. Consumers need a great agent that can assess your needs, but also competitive auto insurance rates.

Many insurance agents compete for your business, and it can be difficult to compare rates to find the cheapest price

Save time by quoting online

Insurance agents can point out coverage gaps and give you someone to call. The best thing about getting online price quotes is you can get the best rates and still have an agent to talk to.

After completing this simple form, your insurance data is instantly submitted to companies in Marana who will give you bids for your insurance coverage. You never need to leave your house since price quotes are sent directly to your email. How’s that for easy! You’ll get the best rates and an insurance agent to talk to.

Choosing a car insurance agent shouldn’t rely on just the price. Any agent should be forthright in answering these questions:

  • Do they assist clients in filing claims?
  • How much can you save by raising your physical damage deductibles?
  • Who are their largest clients?
  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • If your car is totalled, how to they determine the replacement cost?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • If they are an independent agency, which companies do they recommend?

Choose an insurance agent wisely

When looking for a good insurance agency, you must know there are a couple different agency structures that you can select. Insurance agencies in Marana are classified as either independent or captive.

Captive Insurance Agents

This type of agents work for only one company like Liberty Mutual, Allstate, Farmers Insurance or State Farm. These agents are unable to give you multiple price quotes so they have no alternatives for high prices. They are very knowledgeable on the products they sell which can be an advantage. Consumers frequently buy from captive agents partially due to loyalty to the company and the convenience of having a single billing for all their coverages.

Independent Agents

Independent insurance agents do not work for one specific company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and that require little work on your part.

When comparison shopping, we recommend you contact several independent insurance agents to ensure the widest selection of prices. They often place coverage with smaller companies which may provide better rates.

Shown below is a list of independent agents in Marana willing to provide rate quotes.

  • American Republic Insurance – 10800 N Anway Rd – Marana, AZ 85653 – (520) 616-9419
  • Marana Insurance – 12253 W Grier Rd – Marana, AZ 85653 – (520) 682-3261

To view a full list of Marana insurance agents, view this link.

Upon getting acceptable answers to your questions and locked in a price quote, chances are good that you have found an insurance agent that meets your needs to properly insure your vehicles.

What if I want to buy from an online company?

Licensed agents are important, but Arizona drivers can also buy from online companies direct. Some companies like Allstate and State Farm who sell through the agent channel additionally provide the ability to buy online, so that should be considered.

If you’re uneasy about choosing your own coverages, don’t sweat it. All companies that require consumers to choose their own coverages give you access to trained agents for customer questions. You may also access live chat and online tools to help you make a buying decision.

The best way to determine if local insurance agents or online providers are cheaper is to get free quotes from both and compare them. You may actually get a different price from insurance agents and online quoting from the exact same provider. But you can’t find out if the lower rates are from agents or online without quoting coverages each way.

Does it save money buying online? It’s hard to say exactly because there are many factors that impact your rate calculation. Common sense would say that going direct saves money because there is no agent involvement. But the fact is, marketing expenses are significant so this can offset any savings.

Learn more about auto insurance in Arizona

Additional detailed information is located at the Arizona Department of Insurance website. Arizona consumers can learn about specific coverages, view agent and company licensing information, read consumer alerts, and download brochures.

best Marana insurance agency

Final thoughts

When you buy insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Insureds switch companies for many reasons like not issuing a premium refund, poor customer service, delays in responding to claim requests or an unsatisfactory settlement offer. Regardless of your reason, switching auto insurance companies is pretty simple and you could end up saving a buck or two.