Nobody cherishes buying car insurance, especially when their premiums are too high. Many insurers vie to insure your vehicles, so it’s not easy to compare every insurance company and get the best coverage at the lowest cost out there.
It’s important to compare rates every six months since insurance rates are rarely the same from one policy term to another. Just because you found the lowest price two years ago other companies may now be cheaper. So ignore everything you know about car insurance because you’re about to learn the quickest way to lower your annual insurance bill.
Finding Car Insurance in Show Low, Arizona
Finding cheaper car insurance prices can be relatively painless. You just have to spend a few minutes on the computer getting comparison quotes online with multiple companies. It is quite easy and can be accomplished using a couple different methods.
One of the simplest ways consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for separate forms for each company. Completing one form will get you price quotes from many national carriers.
A more time consuming way to analyze rates consists of visiting the website for every company you want to comare to complete a price quote. For examples sake, we’ll pretend you want rates from Progressive, Safeco and GMAC. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why most consumers use the first method. To view a list of companies in Show Low, click here.
The hardest method of comparing rate quotes is to spend time driving to local Show Low insurance agencies. Shopping for car insurance online can eliminate the need for a local agent unless you have a need for the professional advice that only a license agent can provide. It is possible to get the lowest quotes online and get advice from an agent in your area. We’ll cover that shortly.
It’s your choice how you get your quotes, but make darn sure you compare apples-to-apples deductibles and coverage limits with each company. If the quotes have differing limits you can’t possibly make an equal comparison in Show Low.
Is there deception in advertising?
Arizona consumers can’t ignore all the ads for car insurance savings from companies such as State Farm and Allstate. They all seem to make an identical promise that you’ll save big if you change your policy.
How can each company make almost identical claims?
Insurance companies have a certain “appetite” for the type of driver they prefer to insure. A good example of a driver they prefer could possibly be over the age of 50, owns a home, and has excellent credit. Any driver that hits that “sweet spot” will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.
Drivers who are not a match for the “perfect” profile must pay a more expensive rate which usually ends up with the customer not buying. The ads say “customers that switch” not “people who quote” save money. That’s the way insurance companies can confidently state the savings.
This illustrates why drivers should get as many comparisons as possible. It is impossible to predict which company will give you the biggest savings.
Discounts can save BIG
The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Most are applied at the time of purchase, but a few need to be requested specifically before being credited. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.
- Organization Discounts – Affiliation with a professional or civic organization could qualify you for a break on your policy.
- Own a Home – Being a homeowner can save you money due to the fact that maintaining a home demonstrates responsibility.
- Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.
- Early Signing – Some insurance companies reward drivers for switching policies before your current policy expires. This can save 10% or more.
- Federal Employees – Simply working for the federal government can earn a discount up to 10% with a few car insurance companies.
- College Student – Any of your kids who live away from home and do not have access to a covered vehicle may qualify for this discount.
- Passive Restraints – Vehicles with factory air bags can receive discounts of more than 20%.
As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, you won’t be that lucky. Any amount of discount will bring down your premiums.
To see a list of insurance companies with discount car insurance rates in Arizona, click this link.
Are insurance agents obsolete?
Some people just want to visit with an insurance agent and that is just fine! Educated insurance agents can point out coverage gaps and give you peace of mind. The biggest benefit of price shopping on the web is that you can obtain better rates and still choose a local agent. And supporting local businesses is especially important in Show Low.
To help locate an agent, after submitting this simple form, your information gets sent to agents in your area who will give you bids for your business. You don’t have to leave your house since price quotes are sent straight to your inbox. How’s that for easy!
Two types of Show Low insurance agents
When searching for a local agent, there are a couple of types of agencies to choose from. Agencies in Show Low are classified as either independent or captive. Either one can insure your vehicles, but it’s important to know the difference between them since it may influence buying decisions.
Independent Insurance Agents
Independent agencies are not required to write business for one company so they can insure your vehicles with any number of different companies depending on which coverage is best. If you are not satisfied with one company, the agent simply finds a different carrier without you having to go to a different agency.
When shopping rates, it’s a good idea to get quotes from multiple independent agents to get the best comparison.
Shown below is a short list of independent agents in Show Low that can give you price quote information.
Brown and Assoc Insurance – 940 E Deuce Of Clubs – Show Low, AZ 85901 – (928) 537-2135
Captive Insurance Agents
Captive agencies write business for a single company and some examples include Liberty Mutual, State Farm, Allstate and AAA. These agents are unable to provide prices from multiple companies so keep that in mind. Captive agencies are trained well in insurance sales which helps them compete with independent agents.
Shown below are Show Low captive agencies that can give you rate quotes.
Farmers Insurance Group – 2703 S White Mountain Rd # B – Show Low, AZ 85901 – (928) 537-2471
American Family Insurance – 4551 S White Mountain Rd # B – Show Low, AZ 85901 – (928) 532-1678
Allstate Insurance Co – 391 W Deuce Of Clubs # C – Show Low, AZ 85901 – (928) 532-0569
To view a full list of captive agents in Show Low, view this link.
Choosing a car insurance agent shouldn’t rely on just the price. These questions are important to ask:
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- How often do they review policy coverages?
- Is the agent and/or agency licensed to do business in Arizona?
- What insurance companies do they work with?
- Are they full-time agents?
- If they are an independent agency, which companies do they recommend?
Upon getting acceptable answers to your questions and a good coverage price, most likely you have located an auto insurance agent that will properly insure your vehicles.
Will just any policy work for me?
When it comes to choosing the best car insurance coverage, there really is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions can help discover if you might need an agent’s assistance.
- Are rental cars covered under my policy?
- Is my cargo covered for damage or theft?
- Are there companies who specialize in insuring high-risk drivers?
- Am I covered when using my vehicle for business?
- I don’t drive much so do I pay less?
- When should my teen driver be added to my policy?
- Why is insurance for a teen driver so high in Show Low?
- Does my policy cover my teen driver if they drive my company car?
- Why am I required to buy high-risk coverage?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.
Much more information about car insurance in Arizona can be found on the website for the Arizona Department of Insurance located here. Visitors are able to file complaints about an insurance agent or broker, download brochures, and read enforcement actions against agents and companies.
Better coverage you can count on
When shopping online for car insurance, do not sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced collision coverage only to discover later that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at an affordable rate.
We’ve covered a lot of techniques to save on car insurance. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the best price on car insurance is with the least-expected company. These companies can often provide lower rates in certain areas than their larger competitors like Allstate, Geico and Progressive.