Selecting a auto insurance company in Oro Valley, AZ can be time consuming since choosing the right Oro Valley insurance agent is more difficult than just using the same auto insurance agent as your neighbor. Consumers need a highly trained agent, and also want to find the lowest rates for auto insurance in Oro Valley.
Big companies like GEICO, 21st Century and Progressive continually bombard you with TV and radio ads and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.
Save time by quoting online
Licensed agents are trained to spot inefficiencies and give you peace of mind. One of the best bonuses of comparing rates online is the fact that you can find lower rates but also keep your business local.
To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is immediately sent to companies in Oro Valley who will compete for your coverage. There is no reason to leave your house as quotes are delivered immediately to your email address. How’s that for easy!
Deciding on an insurance agency needs to be determined by more than just a cheap price. Agents should be asked these questions:
- Are they full-time agents?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do the companies they represent have a solid financial rating?
- Can they give you a list of client referrals?
- Did they already check your driving record and credit reports?
Two types of car insurance agents
When finding a reliable agent, you need to know there are two types of insurance agents from which to choose. Agents are categorized either independent (non-captive) or captive. Either one can properly insure your vehicles, but it’s worth mentioning how they are different since it can impact your selection of an agent.
Captive Insurance Agents
Captive agents write business for a single company and some examples include Liberty Mutual, Allstate, Farmers Insurance or State Farm. Captives cannot shop your coverage around so keep that in mind. Captives receive extensive training on their company’s products which helps them sell insurance even at higher premiums.
Shown below is a short list of captive agents in Oro Valley that are able to give comparison quotes.
Allstate Insurance Co – 7780 N Oracle Rd – Oro Valley, AZ 85704 – (520) 297-1296
State Farm Insurance – 12112 N Rancho Vistoso Bl #140 – Oro Valley, AZ 85755 – (520) 818-1818
Farmers Insurance Group – 12470 N Rancho Vistoso Bl #120 – Oro Valley, AZ 85755 – (520) 544-7866
Independent Insurance Agents
These agents are not locked into one company so they have the ability to put coverage with lots of companies depending on which coverage is best. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency. When comparing rates, we recommend you include several independent insurance agents to get the best comparison.
Below is a list of independent agencies in Oro Valley willing to provide price quotes.
Becker Agency – 12470 N Rancho Vistoso Blvd – Oro Valley, AZ 85755 – (520) 742-4437
To view a complete directory of insurance agents in Oro Valley, click here to link.
After getting positive responses to any questions you have and an affordable coverage quote, you’ve probably found a car insurance agent that meets your needs to insure your vehicles.
You have the option to buy car insurance direct online
Insurance agencies are important to many people, but you can also find affordable Arizona auto insurance from online companies direct. Certain auto insurance companies like Allstate and State Farm who have local agents in Oro Valley also permit you to buy online, so that should be considered if you don’t want to take the time to contact agents.
If you’re uncomfortable with not receiving proper advice when shopping online, that is quite common when buying online the first time. All companies that require consumers to choose their own coverages have toll-free phone numbers and other options for getting advice on proper coverages.
Is online auto insurance cheaper? The answer to that question is complicated since there are so many factors that impact your premium. It would make sense to think that a shopper who purchases direct saves money by not requiring a commission. But the fact is, it’s expensive to advertise so this can offset any savings.
More resources for learning
More tips and info about auto insurance can be found at the Arizona Department of Insurance website. Consumers can find out which companies have the most complaints, read industry bulletins, and view a list of available companies.
Shop smart and save
Discount auto insurance is available both online as well as from independent agents in Oro Valley, and you need to price shop both to get a complete price analysis. Some insurance companies don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.
When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible at a price you can afford.