Tips to Finding a Good Auto Insurance Provider in Gilbert

When buying auto insurance in Gilbert, selecting the best Gilbert insurance agent for your needs is more difficult than just randomly choosing from the yellow pages. You need a professional licensed agent, but also need the cheapest rates you can possibly find.

Insurance companies such as State Farm, GEICO and Farmers Insurance promote their brand names with TV and radio ads and it is difficult to avoid their marketing magic and do the work needed to find the best deal.

Compare Gilbert agent rates online

Licensed agents can point out coverage gaps and give you someone to call. One of the great benefits of price shopping on the web is that you can obtain better rates and still have an agent to talk to.

To help locate an agent, after submitting this form (opens in new window), the quote information is submitted to local insurance agents who will compete for your coverage. You don’t have to leave your house as quotes are delivered to your email. How’s that for easy!

Selecting an auto insurance agent shouldn’t rely on just the bottom line cost. These are valid questions to ask:

  • If your car is totalled, how to they determine the replacement cost?
  • Who is covered by the car insurance policy?
  • Does the agency have a good rating with the Better Business Bureau?
  • Can glass repairs be made at your home?
  • Who are their largest clients?
  • What are the financial ratings for the companies they represent?
  • How many years of experience in personal lines insurance coverages do they have?
  • Is working in the agency their full-time job?

Types of insurance agents

If you’re trying to find a reliable agent, you must know there are a couple types of insurance agents from which to choose. Insurance agencies in Gilbert can either be captive or independent (non-captive). Either one can insure your vehicles, but it’s worth mentioning how they differ since it may influence your agent selection.

Captive Agents

This type of agents have only one company to place business with such as State Farm, AAA and Liberty Mutual. They are unable to place coverage with different providers so it’s a take it or leave it situation. Captives are well schooled on the products they sell and that can be a competitive advantage.

Below are Gilbert captive agencies that are able to give comparison quotes.

Allstate Insurance Co – 2451 E Baseline Rd – Gilbert, AZ 85234 – (480) 558-1602
Farmers Insurance Group – 70 S Val Vista Dr # A3 – Gilbert, AZ 85296 – (480) 633-6188
Liberty Mutual – 3303 S Lindsay Rd – Gilbert, AZ 85296 – (480) 503-4200
American Family – 3303 E Baseline Rd # 101 – Gilbert, AZ 85234 – (480) 926-9090
State Farm Insurance – 8490 S Power Rd # 113 – Gilbert, AZ 85297 – (480) 505-6255
Farm Bureau Insurance – 1458 W Bahia Ct – Gilbert, AZ 85233 – (480) 929-2725

Independent Agents (or Brokers)

Independent agents do not work for one specific company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply move the coverage in-house and you won’t have to switch agencies.

When comparing rates, it’s recommended you get quotes from at least one independent agent to have the most options to choose from.

The following are independent agencies in Gilbert that can give you price quote information.

Paulsrud Agency – 4231 E Chestnut Ln – Gilbert, AZ 85297 – (480) 816-1855
Asset Protection Insurance – 3117 S Delia Ct – Gilbert, AZ 85296 – (480) 892-2316
Everett Cook Agency Inc – 825 S Cooper Rd # B8 – Gilbert, AZ 85233 – (480) 830-3825
Olga Kieran Agency – 28 W Juniper Ave # 202 – Gilbert, AZ 85233 – (480) 840-3500
Commercial West Insurance – 1225 W Houston Ave # 101 – Gilbert, AZ 85233 – (480) 961-5400

For a full directory of Gilbert insurance agents, click here to link.

Upon getting good answers and a low price estimate, you have narrowed it down to an auto insurance agent that will adequately provide auto insurance.

You are unique and your auto insurance should be too

When choosing the best auto insurance coverage for your vehicles, there is no “best” method to buy coverage. Every situation is different so this has to be addressed. These are some specific questions can help discover whether or not you might need professional guidance.

  • Does my liability insurance cover pulling a trailer or camper?
  • What are the financial responsibility laws in Arizona?
  • Which companies will insure high-risk drivers?
  • When should I drop full coverage on my vehicle?
  • What is the difference between comprehensive and collision coverage?
  • Should I rate my vehicle as pleasure use or commute?

If it’s difficult to answer those questions, you might consider talking to a licensed agent.

You have the option to buy car insurance direct online

Professional insurance agents are important to many people, but you can also find affordable Arizona auto insurance from companies direct over the internet. Some car insurance companies who employ agents also allow you to get a quote and buy online, and online price comparisons are easy if you don’t want to take the time to contact agents.

If you’re apprehensive about not having someone to ask questions when shopping online, that shouldn’t be an issue. Auto insurance companies all provide contact methods to answer your questions.

Is it cheaper to buy online? It’s difficult to say for sure due to the fact that there are multiple individual factors that can increase policy rates. Many people think that a shopper who purchases direct lowers rates due to not having any agent compensation. In many cases, marketing expenses are significant so this can offset any savings.

More quotes mean more savings

Insureds leave their current company for many reasons like delays in responding to claim requests, high prices, poor customer service or even policy non-renewal. It doesn’t matter what your reason, choosing a new insurance company is easier than you think.

Cheap auto insurance can be sourced both online in addition to many Gilbert insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Additional detailed information is located at the Arizona Department of Insurance website. Visitors are able to find disaster information, read state legal mandates and laws, and read consumer alerts.