You just started your AZ car insurance shopping and went online and requested to receive some quotes from a Phoenix Online Independent Insurance Agency. They are able to save you money but you would be insured thru a company you have never heard of, should you change insurance providers? This is a common situation that many people find themselves in. The first thing to do in a situation like this is to do a little homework on the insurance company that your agent quoted you thru. There are a lot of unknown insurance companies out there that have been around a long time but do not spend a lot of money advertising so they are not a household name. After you speak to your agent and he tells you all about the company if you are still unsure then start doing a little homework yourself. The first thing is to simply check if they have a website and read up on them and see how long they have been around. Another good idea is to look at the rating with A.M. Best. They rank insurance companies and grade them by their financial health. If the company is not graded by A.M. Best or has a rating below A- then you may want to reconsider. This will allow you get an indication if the company is financially strong enough to last and make sure you are properly covered on your AZ car insurance for the foreseeable future. The next important step is to find out how their service levels are. One way you can go about doing this is just by simply using your favorite search engine and typing the companies name and see what type of information comes up. Just remember though that if you find one or two negative reviews do not let that deter you, there are some people that are un-please able and will complain no matter what. If you are seeing a pattern of negative feedback though and no positive feedback then that should raise a flag for you. Just remember just because you have an opportunity to save money on your AZ car insurance with a company you have never heard of, do not dismiss the idea right away. A little homework goes a long way….