Who are the top car insurance companies in Arizona?

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In a nutshell...
  • Several studies have shown that a person with a better insurance credit score tends to have fewer claims
  • According to the Arizona Department of Insurance, some companies stand out amongst the rest when it comes to customer service
  • Credit scores are easy ways for insurance companies to determine who will be less likely to need a claim

Drivers in Arizona have good reason to want to know who the top car insurance companies are. Arizona is renowned for its scorching hot weather and output of copper.

The United States government owns most of its land and is also the largest employer of the citizens of Arizona.

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Arizona’s Insurance Companies

With Arizona’s sweltering deserts and harsh terrain, which insures the motorist that dares to drive its roads?

The three car insurance companies in Arizona that have the highest market share are:

However, this doesn’t mean they are the best car insurance companies in the state.

When looking for insurance, you should look at several factors before choosing which is best for you.

The following are things to consider when rating a car insurance company in Arizona:

  • Coverage offered
  • Customer service reputation
  • Stability of the company’s finances
  • Cost of premiums

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Which car insurance companies have the best customer satisfaction in Arizona?

Some companies pride themselves on having the best rates, while others on having the best coverage. There are also those companies who believe customers are buying them, the sales representatives, and their customer service skills should reflect this.

According to the Arizona Department of Insurance, some companies stand out amongst the rest when it comes to customer service.

Progressive is well known for their funny insurance advertisements and online shopping. Another thing car insurance companies are known for, at least in the state of Arizona, is excellent customer service.

Milbank is one of State Auto Insurance Company’s many affiliates with an A.M. Best rating of “A” and stable future. What’s impressive about Milbank is the fact that they received a zero score when it came to complaint ratio.

Topa Insurance Company is another company that received a zero complaint ratio score. It is a privately held company that has been around since 1981.

Other car insurance companies with a low complaint ratio in Arizona are the following:

  • Mendota Insurance Company
  • Arizona Automobile Insurance Company
  • Electric Insurance Company
  • Infinity Insurance Company
  • Safeway Insurance Company

Is there such a thing as an insurance credit score?

Yes, there are insurance credit scores, but it’s not exactly like a regular credit score.

However, they are similar in some ways. Insurance credit scores are easy ways for insurance companies to determine who will be less likely to need a claim and an excellent option to insure.

Several studies have shown that a person with a better insurance credit score tends to have fewer claims.

This is a better option for an insurance company, and they tend to be more profitable when they insure these types of drivers.

What is an insurance credit score?

It’s a point-based system that looks at specific features on one’s credit report. While there’s no relationship between financial credit scores and insurance scores, information is used off one to predict risk for the other.

What car insurance companies do with insurance scores is use them in the underwriting process and as a determining factor on how high or low a person’s premium will be.

These scores are usually only used for car insurance for personal lines and homeowners insurance.

Is an insurance score the only factor that determines car insurance premiums?

No, many factors determine a person’s car insurance premiums and every car insurance company has a different way of factoring intangibles to come up with an individual’s premium.

However, there are certain common elements such as your driving record, the type of vehicle insured, where you live, how the car will be used, vehicle safety equipment and more.

In order to find the best car insurance rates, you should always compare car insurance quotes from several car insurance companies.

Enter your zip code below to get FREE car insurance quotes today!

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