Useful Tips for Searching for a Lake Havasu City Insurance Agent

When searching for a licensed insurance agent in Lake Havasu City, it’s recommended you start your research online instead of calling around. You require a professional licensed agent, and also want to find affordable rates.

Companies like State Farm, Farmers Insurance, GEICO and Allstate constantly blast consumers with fancy advertisements and it is challenging if not impossible to ignore the promise of big savings and find the best price available.

Online quotes with a local Lake Havasu City insurance agent

Professional agents can help determine the best coverages and help file insurance claims. The biggest benefit of getting online price quotes is the fact that you can find better rates and still choose a local agent.

To find an agent, once you fill out this short form, your insurance data is transmitted to local insurance agents who will battle to get your business. There is no need to even leave your home as quotes are delivered to your email. How’s that for easy!

Deciding on an insurance agent requires more thought than just a cheap price. Here are some questions to ask:

  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
  • Does the company allow you to choose your own collision repair facility?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Do they regularly work with personal auto policies?
  • What insurance company do they write the most business with?
  • Is working in the agency their full-time job?

Types of insurance agents

If you’re trying to find an insurance agent, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Lake Havasu City agents are either independent (non-captive) or captive. While both can insure your vehicles, but it’s worth learning the difference between them since it may influence the type of agent you choose

Captive Insurance Agents

Captive agencies can only write with one company and examples are American Family, State Farm and Allstate. These agents are unable to shop your coverage around so they have no alternatives for high prices. Captive agencies are trained well on the products they sell which can be an advantage.

The following are Lake Havasu City captive insurance agencies willing to provide comparison quotes.

Farmers Insurance Group – 52 Smoketree Ave S # A – Lake Havasu City, AZ 86403 – (928) 855-4015
Farm Bureau Insurance – 2170 Mcculloch Blvd N – Lake Havasu City, AZ 86403 – (928) 854-6457
American Family Insurance – 2164 Mcculloch Blvd N # A – Lake Havasu City, AZ 86403 – (928) 855-1109
Allstate Insurance – 231 Swanson Ave # 204 – Lake Havasu City, AZ 86403 – (928) 855-8404

Independent Agents

Independent agents are not employed by any specific company but rather can write business with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house and that require little work on your part. When searching for an agent, it’s a good idea to include price quotes from at a minimum one independent agency for maximum quote selection.

Below are Lake Havasu City independent agencies that are able to give price quote information.

Citywide Insurance – 490 Lake Havasu Ave S – Lake Havasu City, AZ 86403 – (928) 854-6466
L F Select Insurance Svc – 911 Lake Havasu Ave N # 112 – Lake Havasu City, AZ 86403 – (928) 505-0469

To view a complete directory of car insurance agents in Lake Havasu City, visit this site.

After receiving positive feedback to your questions and an acceptable price quote, most likely you have located an insurance agency that will adequately provide car insurance.

Online companies can help you save

Insurance agents are indespensible for some people, but you can also find affordable Arizona auto insurance from companies direct over the internet. Certain auto insurance companies like State Farm and Allstate who sell through the agent channel also allow you to buy a policy online, and consumers should do that if you don’t want to take the time to contact agents.

If you’re concerned about not receiving proper advice when buying direct, this is expected but don’t let that bother you. Online companies that require consumers to choose their own coverages provide customer service you can use to get advice on coverages. They also offer live help and 24/7 access that you can use before buying.

best Lake Havasu City AZ insurance agency

Do online companies provide lower prices? That question is hard to answer because there are a lot of things that impact your premium. You may think that shopping direct saves the cost of an agent commission. For most online online companies, however, there are very high advertising costs so there may not be significant savings.

More Arizona car insurance resources

More detailed Arizona car insurance information can be read at the Arizona Department of Insurance website. Consumers can find a variety of consumer forms, read industry bulletins, learn about insurance regulations, and read enforcement actions against agents and companies.

Smart consumers save more

Affordable car insurance is definitely available both online as well as from independent agents in Lake Havasu City, and you need to price shop both in order to have the best chance of saving money. A few companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

Consumers leave their current company for a variety of reasons including delays in responding to claim requests, questionable increases in premium, denial of a claim and even policy non-renewal. Regardless of your reason, switching companies is not as hard as you think.