Best Pricing for Milbank Auto Insurance Agents

If you’re looking for a good insurance agent in Milbank, South Dakota, you can start your search by comparing rates online instead of calling around. Chances are good you’re looking for a professional agent, but you also need great rates as well.

With companies like State Farm, Allstate, Farmers and independent agents all competing for your business, it’s hard to tell which insurance agency will give you the lowest rates and best service. Fortunately, it’s easy to use online quotes to build a list of agents from which to choose.

Save time by quoting online

Good agents can answer important questions and give you peace of mind. The best thing about comparing insurance prices online is that you can obtain lower rates but still work with a licensed agent. And supporting local insurance agencies is definitely important in Milbank.

To make it easy to find an agent, after completing this quick form, your insurance data is emailed to local insurance agents in Milbank who will compete for your business. You never need to leave your computer since price quotes are sent straight to your inbox. How cool is that?!

Choose the right insurance agency

When searching for a reliable agent, there are two different types of agents that differ in how they can insure your vehicles. Milbank agents can either be independent (non-captive) or captive. Either one can do a good job, but it’s worth mentioning the differences because it can impact the type of agent you choose

Independent Agents (or Brokers)

Independent insurance agents are not employed by any specific company but rather can write business with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house and you don’t have to find a new agent. When comparing rates, we recommend you get quotes from at least one independent agent to get the best comparison.

Listed below are Milbank independent agencies that are able to give rate quotes.

Newman Agency Inc – 705 E 3rd Ave – Milbank, SD 57252 – (605) 432-7939
Milbank Insurance Co – 107 Flynn Dr – Milbank, SD 57252 – (605) 432-5551
Royal Insurance Co – E Highway 12 – Milbank, SD 57252 – (605) 432-6468
Trevor Cramer Agency Inc – 235 E 2nd Ave – Milbank, SD 57252 – (605) 432-9507
Trevor Cramer Agency – 235 E 2nd Ave – Milbank, SD 57252 – (605) 432-9507

Captive Insurance Agents

These agents can only place business with one company and some examples include Allstate, AAA, Liberty Mutual and State Farm. They usually cannot compare other company’s rates so it’s a take it or leave it situation. Captive agencies are very knowledgeable on their products and sales techniques which helps them compete with independent agents.

Below is a short list of captive agents in Milbank willing to provide rate quotes.

State Farm Insurance – 1203 E 4th Ave # 102 – Milbank, SD 57252 – (605) 432-5393

To view a full list of auto insurance agents in Milbank, view this link.

Selecting an insurance agency needs to be determined by more than just a low price. Any agent should have no problem answering these questions:

  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Do they assist clients in filing claims?
  • What are the financial ratings for the companies they represent?
  • Do they specialize in personal lines coverage?
  • Can they give you a list of client referrals?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Are there any discounts that you might be missing?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

Upon receiving reasonable responses for all questions you ask as well as a affordable price, you’ve probably found a car insurance agent that will provide auto insurance coverage.

Online companies can help you save

Local insurance agents are perfect for certain consumers, but you can also find affordable South Dakota auto insurance from online companies direct. Some car insurance companies, such as Farmers Insurance and State Farm, who sell through agents in Milbank also allow you to quote and buy online, and that is helpful.

If you’re apprehensive about not getting proper coverage when buying car insurance direct, that should not be a issue. Auto insurance companies all have toll-free customer service to help you decide which coverages are appropriate.

Is online auto insurance cheaper? That is a tough question to answer because of the fact that insurance companies use many factors that determine the price you pay. It’s often assumed that going direct cuts out the middleman. In reality, there are very high advertising costs so this can offset any savings.

When trying to find the best rates, the only way to determine if prices are better online or from an agent is to take the time to compare rates from both. It’s even possible to receive different pricing from the exact same provider from their online quote form as compared to an agent. You won’t know where the best price is without quoting identical coverages both ways.

best Milbank South Dakota agent

Additional auto insurance information is located on the website for the South Dakota Division of Insurance found here. South Dakota drivers can find out which companies have the most complaints, file complaints about an insurance agent or broker, read industry bulletins, and download brochures.

Other informative sites include’s Understanding your Policy and this list of insurance agents in Milbank.

Quote often and quote early

When you buy insurance online, never skimp on coverage in order to save money. Too many times, someone dropped liability coverage limits only to discover later that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Insureds leave their current company for a number of reasons such as being labeled a high risk driver, extreme rates for teen drivers, policy non-renewal and high rates after DUI convictions. Whatever your reason, switching auto insurance companies is less work than it seems.