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AZ Auto Insurance – Agent or Direct?

Posted on: August 27th, 2010 by admin

A common question that most people have when it comes to buying AZ auto insurance is, who should I purchase it from, an AZ insurance agent or directly from the insurance company. There is no right or wrong answer it really depends on each individual. We will compare buying AZ auto insurance from an AZ insurance agent and directly from an insurance company based on 2 components, price and service.

First off it is a common misconception most people have that they will find the best deal when they buy AZ auto insurance directly from the insurance company. I think the belief comes in thinking that forgoing the personal touch of an agent and electing to go with a call center will end up making everything cheaper. It can be cheaper sometimes but not always. You have to remember that insurance company call centers are not proactive in calling out to find clients, they need to have potential clients call them. How does this happen, lots and lots of advertising dollars. When you flip on the TV and see commercials with promises to lower your auto insurance and junk advertising mail they all cost money. So even though they are paying a call center person less money it does not mean that there bottom line is less, they are just allocating their money differently. The most important aspect of finding the best deal on your auto insurance is finding the right insurance company that gives the best rate based off the risk group that you fall into.

The second thing to look at is service. Some people like having the same person to speak with who knows their personal situation and that they can ask questions too that comes with having an AZ insurance agent. Others like being able to call at any time of the day or night and do not necessarily care who they speak to on the other line, this is the convenience of going directly with an insurance company.

At the end of the day you need to figure out what you are looking when it comes to your auto insurance, convenience or personal touch?

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