Primero Insurance agent Arizona
Primero Insurance is a leading insurance provider in Arizona, offering a range of auto insurance policies to meet the needs of drivers in the state. With a wide range of coverage options, excellent customer service, and a convenient agent-based service model, Primero Insurance is dedicated to meeting the needs of drivers in the state.
As a Primero insurance agent at Blake Insurance Group, I have witnessed firsthand the value that Primero Insurance brings to its customers.
Primero Insurance is known for its excellent customer service and streamlined claims process. Its agents are knowledgeable and dedicated to helping customers with their insurance needs. Primero Insurance also offers online services, making it easy for customers to manage their policies, make payments, and file claims.
Company Ratings
Primero has an A+ rating with the Better Business Bureau (BBB), with only one complaint on file in the past three years. This suggests they have a good standing in business practices and customer dispute resolution.
Primero Auto Insurance is a provider committed to delivering tailored insurance solutions backed by a strong customer service ethos and a straightforward claims process. Whether you’re a seasoned driver with a pristine record or someone looking for a fresh start with your auto coverage, Primero offers a range of policies to keep you secure.
In the following sections, we’ll explore Primero Auto Insurance’s offerings, from coverage types to potential savings through various discounts. Let’s explore how Primero can provide the peace of mind you deserve as you navigate life’s journeys.
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Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Auto insurance policies offered by Primero Insurance in Arizona
Primero Insurance offers comprehensive auto insurance policies that cover personal and commercial vehicles in Arizona. Their policies include:
**Liability coverage**: This coverage protects you financially if you are at fault in an accident and cause damage to someone else’s property or injure another person. It helps cover the cost of repairs, medical expenses, and legal fees.
**Collision coverage**: This coverage pays for the repairs or replacement of your vehicle if it is damaged in a collision, regardless of who is at fault.
**Comprehensive coverage**: This coverage protects your vehicle against damage caused by events other than collisions, such as theft, vandalism, fire, or natural disasters.
**Uninsured/underinsured motorist coverage**: This coverage protects if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages.
**Medical payments coverage**: This coverage helps pay for medical expenses for you and your passengers if you are injured in an accident, regardless of who is at fault.
**Roadside assistance**: Primero Insurance offers roadside assistance services, such as towing, fuel delivery, and lockout assistance, to provide peace of mind and support in case of emergencies.
These coverage options provide comprehensive protection for drivers in Arizona, ensuring that they are financially protected in case of accidents or other unforeseen events. Primero Insurance’s policies are customizable, allowing drivers to tailor their coverage to their specific needs and budget. This flexibility ensures that drivers find affordable, comprehensive coverage that meets their unique requirements.
Comparison of Primero Insurance with other auto insurance providers in Arizona
When comparing Primero Insurance to other auto insurance providers, there are several factors to consider, such as customer satisfaction, coverage options, pricing, and the company’s focus on serving non-standard motorists.
Customer Satisfaction
Primero Insurance has received mixed reviews from customers. Primero has a rating of 2.44 out of 5 stars based on customer reviews, with 40% rating it as excellent and another 40% rating it as poor. This suggests that while some customers are satisfied with their services, others have had negative experiences.
Coverage Options
Primero Insurance offers standard auto insurance options, including liability, collision, and comprehensive coverage. These are similar to the coverage options provided by other major insurers. However, Primero specializes in insuring non-standard motorists, such as those who may have trouble finding coverage due to a history of accidents, poor or no credit history, or the need to file an SR-22.
Pricing
Primero Insurance is known for offering competitive rates, especially for drivers who may be considered high-risk by other insurers. While specific pricing information is not provided, Consumer Insurance Report rated Primero Insurance 3.5 out of 5 stars, indicating their pricing is relatively competitive compared to top car insurance companies.
| Feature | Primero Insurance | Geico | State Farm | Progressive | Allstate |
|---|---|---|---|---|---|
| Market Share | Small | High | High | High | Medium |
| Average Annual Premium | $1,200 | $1,300 | $1,400 | $1,350 | $1,500 |
| Customer Satisfaction | Average | High | High | Average | Average |
| Financial Strength Rating | Not Rated | A++ (AM Best) | A++ (AM Best) | A+ (AM Best) | A+ (AM Best) |
| Discounts Available | Limited | Multiple | Multiple | Multiple | Multiple |
| Coverage Options | Basic | Comprehensive | Comprehensive | Comprehensive | Comprehensive |
| Roadside Assistance | Yes (Basic) | Yes | Yes | Yes | Yes |
| Mobile App | No | Yes | Yes | Yes | Yes |
| Claims Process | Manual | Online/Phone | Online/Phone | Online/Phone | Online/Phone |
| Local Agents | Yes | Limited | Extensive | Limited | Extensive |
| Accident Forgiveness | No | Yes | Yes | Yes | Yes |
How much is Primero auto insurance
The average cost of Primero auto insurance varies significantly based on several factors such as the type of coverage chosen, the driver’s record, and the vehicle model. Here are some general estimates:
– **Full Coverage**: The average annual cost for full coverage policies in Arizona is around $1,414 per year.
– **State-Minimum Coverage**: The average annual cost for state-minimum coverage policies in Arizona is around $682 per year.
– **Young Drivers**: Young drivers (ages 18-24) typically pay higher premiums, with an average annual cost of $3,954.
– **High-Risk Drivers**: High-risk drivers may pay significantly more, with an average annual cost of $2,223.
The cost of Primero auto insurance can vary significantly based on several factors, including the type of coverage chosen, the driver’s record, and the vehicle model.
**Type of Coverage**: The cost of your auto insurance will depend on the type of coverage you choose. For instance, full coverage, which includes comprehensive and collision coverage, will typically cost more than minimum coverage, which only provides liability insurance.
**Driver’s Record**: Your driving record determines your insurance cost. Most insurers review your driving record for the past three to five years. Violations, accidents, or claims can lead to higher premiums.
**Vehicle Model**: Your vehicle’s make, model, and year can also affect your insurance cost. Generally, newer or more expensive cars cost more to insure because they would be more costly to repair or replace.
Primero Auto Insurance serves drivers in specific states, including Arizona, Nevada, North Dakota, and South Dakota. Customers can get a quote online or through an agent. Call Primero Insurance Agency at (830) 221-7791 or complete an online quote form to get started.
It’s important to note that the cost of auto insurance can vary significantly from one policyholder to another, so getting a personalized quote for the most accurate pricing is recommended.
Role and Responsibilities of a Local Primero Insurance Agent
As an independent insurance agent representing Primero Insurance, the role encompasses a variety of responsibilities aimed at providing clients with the best possible insurance solutions tailored to their needs and budgets. Here are the key responsibilities:
Assessing Client Needs
An agent must evaluate each client’s insurance needs, which involves understanding their personal circumstances, the assets they need to protect, and any specific requirements they may have.
Recommending Coverage Options
Based on the assessment, the agent recommends appropriate coverage options. This could include standard auto insurance coverages such as liability, collision, and comprehensive and specialized coverages for non-standard motorists.
Providing Quotes
The agent is responsible for providing clients with accurate quotes for the recommended insurance coverages, explaining the policies’ terms and conditions, and helping clients understand the extent of the coverage.
Application Assistance
Agents assist clients with the application process, ensuring all required documentation is submitted correctly and promptly.
Customer Service
Primero agents are known for their excellent customer service, which includes helping customers manage their policies, make payments, and file claims. For added convenience, they may also offer online services and mobile app support.
Claims Process Support
In the event of a claim, agents guide clients through the claims process, providing them with the necessary information and support to ensure a smooth and efficient resolution.
Advocacy and Advice
As independent agents, they advocate for their clients, offering advice and support on all insurance-related matters. This includes staying informed about changes in policy or state laws that could affect coverage.
Continuous Professional Development
Maintaining up-to-date knowledge of the insurance industry, products, and best practices is essential for providing the best service to clients.
Building and Maintaining Relationships
Developing long-term relationships with clients is crucial for an independent agent’s success. This involves regular communication and check-ins to meet clients’ coverage needs continually.
Filing a Claim with Primero Auto Insurance
Filing a claim with Primero Auto Insurance involves several steps to ensure the process is handled efficiently and effectively. Here is a step-by-step guide to help you navigate the claims process:
**Immediate Steps After an Accident**:
– Stay calm and assess the situation.
– Ensure the safety of yourself and your passengers; move off the roadway if possible.
– Activate hazard lights.
– Call the police to report the accident (dial 911).
– Do not admit fault or discuss the accident details with anyone except Primero and the police.
– Exchange information with other parties, including names, addresses, phone numbers, license plates, and insurance details.
– Take photos of the accident scene, vehicle damage, and any relevant indicators like skid marks or traffic signals.
**Contacting Primero to Report a Claim**:
– As soon as possible, contact Primero Insurance to report the claim.
– Call their toll-free number at 800-925-8185 during business hours (Monday through Friday, 8:30 am to 5 pm Pacific Time).
– Claim Chat is also available during business hours.
**Providing Necessary Information**:
– Be prepared to provide your policy number and detailed information about the incident.
– Include any relevant documentation, such as police reports or photos of the damage.
**Claim Form Completion**:
– Primero will assist you in completing the claim form.
– Fill out the form thoroughly and accurately, including all requested information and supporting documents like accident reports, photographs, or witness statements.
**Assessment and Review**:
– Primero may request additional information or documentation to support the claim.
– They will guide you through the necessary information gathering and ask targeted questions to ensure they have all the details needed to process your claim.
**Repair and Settlement**:
– Once the claim is approved, Primero will work with you to arrange for vehicle repairs or replacement.
– They will determine the settlement amount based on the coverage and policy terms.
**Claim Resolution**:
– Primero aims to resolve claims efficiently and fairly.
– They will work with you to ensure a smooth process and address any concerns or questions you may have.
It is essential to provide complete and correct information throughout the claims process to avoid delays. The typical timeline for claim resolution can vary depending on the complexity of the claim, but Primero aims to provide a reasonable claim processing time. Remember, new claims are only accepted by phone, and existing claims can be discussed via the provided email address for claims.
Primero Auto Insurance Policy Cancellation Process
To cancel a Primero auto insurance policy, you should follow these general steps:
**Review Your Policy**: Before initiating the cancellation, it’s essential to review your policy documents to understand any terms and conditions related to cancellation, such as notice periods, required documentation, and potential penalties or fees for early termination.
**Contact Customer Service**: Contact Primero Insurance’s customer service department to inform them of your decision to cancel. You can typically find their contact information on their website or your insurance documents. It’s essential to speak with a representative to get specific instructions for your policy.
**Provide Required Information**: Be prepared to provide your policy number and personal identification to verify your account. The customer service representative may ask for a reason for cancellation and confirm if there are any outstanding premiums or fees.
**Submit Necessary Forms**: If required, complete and submit any forms or written notice as directed by the customer service representative. Ensure all information is accurate to avoid delays in processing your cancellation.
**Confirmation of Cancellation**: Request a confirmation of cancellation in writing for your records. This should include the effective date of cancellation and any refund details if applicable.
**Follow Up**: If you do not receive confirmation within the expected timeframe, follow up with Primero Insurance to ensure your cancellation has been processed.
**Understand Potential Penalties**: There may be cancellation fees or a “short rate” penalty, typically about 10% of the return premium. This penalty is usually higher if the policy is canceled early in the term.
**Check for Refunds**: If you’ve already paid your premium, inquire about the refund policy. Depending on when you cancel, you may be entitled to a prorated refund of the unused premium.
Remember, the specific cancellation policies and any associated penalties or fees may vary, so it’s essential to review the terms and conditions of your policy or contact Primero Insurance directly to understand the cancellation process. Ensure you have new coverage before canceling your existing policy to avoid gaps.
FAQs about Primero Insurance
- What types of auto insurance coverage does Primero Insurance offer?
- Primero Insurance offers various types of auto insurance coverage, including liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and personal injury protection.
- How can I get a quote from Primero Insurance?
- You can get a quote from Primero Insurance by visiting their website, calling their customer service line, or contacting a local Primero Insurance agent.
- Does Primero Insurance offer discounts?
- Yes, Primero Insurance offers several discounts, such as multi-car, safe driver, good student, and anti-theft device discounts. It's best to check with an agent to see which discounts you may be eligible for.
- What is Primero Insurance's customer service contact information?
-
Primero Insurance's customer service contact information is as follows:
- Mailing Address: PO Box 1300, Spearfish, SD 57783
- Toll-Free Phone Number: 800-925-8185 / 866-925-8185
- Email for Underwriting: underwriting@primeroinsurance.com
- Email for Claims: claimsinfo@primeroinsurance.com (for existing claims only)
- Email for Mobile App Support: appdev@primeroinsurance.com
- Does Primero Insurance offer roadside assistance?
- Yes, Primero Insurance offers basic roadside assistance as part of their coverage options. This service may include towing, flat tire changes, jump-starts, and lockout assistance.
- Can I manage my Primero Insurance policy online?
- Yes, Primero Insurance provides an online portal where policyholders can manage their policies, make payments, and access important documents.
- Is there a mobile app for Primero Insurance?
-
Yes, Primero Insurance has a mobile app available for both iOS and Android devices. The app allows users to:
- View ID Cards: Access proof of insurance digitally.
- Get Agent Information: Contact your agent directly from the app.
- Check Payment Amounts Due: Stay on top of your bills.
- Upload Photos: For accident procedures and other documentation.
- Manage Policy Information: Access various policy details.
- How does Primero Insurance handle claims?
- Primero Insurance handles claims through a manual process where policyholders can report claims by phone or online. The claims process involves submitting necessary documentation and working with a claims adjuster to resolve the claim.
- Does Primero Insurance have local agents?
- Yes, Primero Insurance has local agents in various locations who can assist with policy purchases, claims, and other insurance-related inquiries.
Blake Nwosu
Owner & Principal Agent