Have you fallen victim to high-priced auto insurance? Trust us, you’re not alone. Drivers have so many car insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, it can be more challenging to find the best rates for your vehicles.
It’s a great practice to get comparison quotes every six months because rates are adjusted regularly by insurance companies. Even if you think you had the lowest price two years ago you may be paying too much now. You’ll find quite a bit of inaccurate information about auto insurance on the internet, so we’re going to give you some proven techniques to save money.
Choosing the best insurance company for you in Glendale is not rocket science. If you have insurance now or are looking for a new policy, you can follow these tips to find better prices and possibly find even better coverage. Arizona consumers just need to learn the tricks to compare rates over the internet.
Car insurance companies don’t necessarily list every discount in a way that’s easy to find, so we researched both the well known and the harder-to-find auto insurance savings. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.
Keep in mind that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, it doesn’t quite work that way.
To choose companies who offer auto insurance discounts in Glendale, click here.
Cutting your auto insurance rates doesn’t have to be difficult. The only thing you need to do is take the time comparing rate quotes online from several insurance companies. This can be done using a couple different methods.
The single most time-saving way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do multiple quote forms for each company you want a rate for. Taking the time to complete one form will return quotes from several companies.
A more difficult way to shop for auto insurance online requires a visit to each company’s website and request a quote. For sake of this example, let’s assume you want rates from State Farm, Esurance and Allstate. You would have to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.
For a list of links to companies insuring cars in Glendale, click here.
The most time-consuming way to compare rates is driving around to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you prefer the professional guidance of a local agent. However, consumers can obtain prices from the web and still use a local agent and we’ll cover that in a bit.
It’s up to you which method you use, but make darn sure you compare exactly the same information with each company. If you use higher or lower deductibles it will be next to impossible to make a fair comparison in Glendale.
Smart consumers have a good feel for the rating factors that go into determining the price you pay for auto insurance. Understanding what controls the rates you pay helps enable you to make changes that may reward you with big savings.
Some consumers just want to visit with an insurance agent and there is nothing wrong with that. Educated insurance agents can help determine the best coverages and give you someone to call. The best thing about getting online price quotes is you can get the best 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 insurance agents in Glendale who will give you bids for your business. You never need to visit any agencies as quotes are delivered directly to your email. How’s that for easy!
Picking an insurer requires more thought than just the price. Ask your prospective agent these questions:
When looking for local Glendale agents, you need to know there are two different agency structures to choose from. Agencies in Glendale are categorized either captive or independent (non-captive). Either one can properly insure your vehicles, but it’s important to know how they are different since it can impact your agent selection.
Captive insurance agents work for only one company and examples are State Farm or Allstate. These agents are unable to place coverage with different providers so always compare other rates. They receive extensive training on the products they sell and that can be a competitive advantage.
Below are Glendale captive agents that are able to give rate quotes.
Farm Bureau Insurance – 17235 N 75th Ave # C100 – Glendale, AZ 85308 – (623) 487-3510
Allstate Insurance Co – 5930 W Greenway Rd – Glendale, AZ 85306 – (602) 298-2584
Farmers Insurance Group – 4112 W Camino Vivaz – Glendale, AZ 85310 – (623) 780-7565
State Farm Insurance – 6685 W Beardsley Rd # 250 – Glendale, AZ 85308 – (623) 561-0688
American Family Insurance – 5719 W Glendale Ave – Glendale, AZ 85301 – (623) 463-3400
Independent agents are not required to write business for one company but rather can write business with any number of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When comparison shopping, it’s a good idea to include several independent insurance agents to ensure the widest selection of prices.
The following are Glendale independent agents willing to provide rate quotes.
Randy A Savageau Agency Inc – 18001 N 79th Ave – Glendale, AZ 85308 – (623) 334-4474
Ideal Insurance – 4920 W Thunderbird Rd # 111 – Glendale, AZ 85306 – (602) 938-7579
Arizona Insurance Locators – 4808 W Glendale Ave – Glendale, AZ 85301 – (623) 847-7474
Matt Richey Agency – 4915 W Bell Rd # 201 – Glendale, AZ 85308 – (623) 566-4457
Chris Simmons Agency Inc – 5036 W Cactus Rd # 8 – Glendale, AZ 85304 – (602) 547-1900
For a full directory of Glendale insurance agents, please go to this site.
Upon getting satisfactory answers to your questions as well as a affordable price, you may have just found a car insurance agent that can service your policy.
Arizona consumers can’t ignore all the ads that promise big savings by Progressive, Allstate and GEICO. They all make an identical promise of big savings after switching to their company.
How do they all make almost identical claims?
All companies have a certain “appetite” for the driver that makes them money. For example, a preferred risk might be over the age of 40, has no driving citations, and has great credit. A customer getting a price quote who matches those parameters will get the preferred rates and is almost guaranteed to cut their rates substantially.
Consumers who don’t meet the “perfect” profile will have to pay higher premiums which leads to the driver buying from a lower-cost company. The ads say “customers that switch” not “everybody who quotes” save that kind of money. That is how companies can claim big savings. Because of the profiling, it’s extremely important to quote coverage with many companies. Because you never know the company that will give you the biggest savings.
Low-cost auto insurance is definitely available on the web and with local Glendale insurance agents, so compare prices from both in order to have the best price selection to choose from. Some auto insurance companies do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.
As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where drivers have reduced liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at an affordable rate while not skimping on critical coverages.
More detailed Arizona auto insurance information is located at the Arizona Department of Insurance website. Arizona drivers can find disaster information, find out industry alerts, and learn about specific coverages.