When buying auto insurance in Prescott Valley, you have many choices and finding the best Arizona insurance agent takes more work than just driving to the closest agent’s office. Most likely you not only want a highly trained agent, but you also need great rates as well.
With companies like State Farm, Allstate, Farmers and independent agents all competing for your business, it can be hard to know which will give you the cheapest rates and the best coverage. To begin, consumers can get online quotes to build a list of agents to choose from.
Local Prescott Valley auto insurance agents
Educated insurance agents are trained to spot inefficiencies and give you peace of mind. The best thing about comparing insurance prices online is you can get better rates but still work with a licensed agent. And supporting local agencies is definitely important in Prescott Valley.
After filling out this short form, your insurance coverage information gets sent to local insurance agents in Prescott Valley who will compete to get your business. You won’t need to leave your house because quoted prices will be sent to your email. How cool is that?!
How to choose the best insurance agency in Prescott Valley
When finding a good Prescott Valley insurance agent, there are two different agency structures to choose from. Agents can either be independent (non-captive) or captive. Either one can do a good job, but it’s worth mentioning how they are different since it may influence your selection of an agent.
Independent Insurance Agents
These agents are not locked into one company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally and you won’t have to switch agencies. When comparison shopping, it’s a good idea to include at least one independent agent for maximum quote selection.Many can place coverage with smaller companies who may have lower rates.
Shown below are Prescott Valley independent insurance agencies willing to provide price quote information.
- Ideal Insurance – 5940 E Copper Hill Dr # F – Prescott Valley, AZ 86314 – (928) 772-5580
- Le Claire-Tobin Agency – 6594 E 2nd St # A – Prescott Valley, AZ 86314 – (928) 442-9800
- Londen Insurance Group – 2809 N Indian Wells Dr – Prescott Valley, AZ 86314 – (928) 775-6189
Captive Insurance Agents
This type of agents are contracted to one company and some examples include Allstate, AAA, Liberty Mutual and State Farm. They generally cannot provide prices from multiple companies so it’s a take it or leave it situation. They are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums. Consumers sometimes buy from captive agents partially due to high brand loyalty and strong financial ratings.
Listed below is a list of captive agencies in Prescott Valley who can help you get price quotes.
- Allstate Insurance Co – 2825 N Glassford Hill Rd # C – Prescott Valley, AZ 86314 – (928) 775-6666
- State Farm Insurance – 6350 E State Route 69 # A – Prescott Valley, AZ 86314 – (928) 775-5676
- American Family Insurance – 8144 E State Route 69 – Prescott Valley, AZ 86314 – (928) 775-0160
To view a full list of Prescott Valley captive agencies, click here to link.
Selecting an insurance agent needs to be determined by more than just a cheap price. These questions are important to ask:
- If your car is totalled, how to they determine the replacement cost?
- How are claims handled?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Does the agency provide any after hours assistance?
- Are they able to influence company decisions when a claim is filed?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Is the agent and/or agency licensed to do business in Arizona?
- How long has their agency been open in Prescott Valley?
After getting reasonable responses for all questions you ask and a low price estimate, most likely you have located an auto insurance agent that meets your needs to properly insure your vehicles.
Consider every option when buying coverage
Auto insurance agents are indespensible for some people, but Arizona consumers also have the option to buy direct from companies online. Some specific companies, such as State Farm, Allstate and Farmers, who employ agents also give you the option to quote and buy online, so this should also be taken into consideration if you don’t want to take the time to contact agents.
If you’re uneasy about not having an agent to talk to, don’t let it bother you. Companies all have client service departments for getting advice on proper coverages.
Can buying online lower your premiums? Many people swear by it, but it’s difficult to answer because of the number of factors that determine your policy premium. It’s logical to say that a consumer who buys direct saves money because there is no agent involvement. But in reality, marketing their products costs a lot of money so the rates may be similar to buying from an agent.
More comparisons equals lower rates
Insureds switch companies for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, poor customer service or an unsatisfactory settlement offer. Whatever your reason, finding a new company is actually quite simple.
Cost effective auto insurance can be purchased online as well as from independent agents in Prescott Valley, and you should be comparing both in order to have the best price selection to choose from. A few companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.
To learn even more about auto insurance
More information is available on the Arizona Department of Insurance website through this link. Arizona consumers can find out which companies have the most complaints, find disaster information, read state legal mandates and laws, and file complaints about a company.