If you’re looking for a good Bottineau agent, we recommend you start your search on the web rather than looking in the yellowpages. Consumers need a good agent that listens to you, and also competitive auto insurance rates.
Companies like Allstate and Progressive increase brand awareness with advertising and it can be hard to ignore the flashy ads and effectively compare rates to find the best deal.
Quote online, buy local
Professional agents are trained to spot inefficiencies and give you someone to call. The best thing about comparing insurance prices online is you may find better rates but also keep your business local.
Upon completion of this simple form, your information is immediately sent to companies in Bottineau who will compete to get your business. You won’t need to leave your house due to the fact that quote results will go to your email. How’s that for easy! It’s the lowest rates AND a local agent.
Deciding on an auto insurance agent shouldn’t rely on just a cheap price. Here are some questions to ask:
- Who are their largest clients?
- Do they receive special compensation for putting your coverage with one company over another?
- Can they give you a list of client referrals?
- Do they assist clients in filing claims?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
Two types of car insurance agents
When researching a good insurance agency, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agencies in Bottineau are either captive or independent (non-captive).
Captive Insurance Agents
These agents can only write with one company and some examples include Allstate, AAA, Liberty Mutual and State Farm. They generally cannot compare other company’s rates so they have no alternatives for high prices. These agents are trained well on the products they sell which can be an advantage.
The following are captive agencies in Bottineau who may provide you with rate quotes.
State Farm Insurance – 115 11th St E – Bottineau, ND 58318 – (701) 228-3022
American Family Insurance – 521 Main St # 2 – Bottineau, ND 58318 – (701) 228-2435
Independent agencies are not employed by any specific company so they have the ability to put coverage with lots of companies depending on which coverage is best. To transfer your coverage to a different company, the business is moved internally and you don’t have to find a new agent.
When shopping rates, you should always include several independent insurance agents to get the best comparison.
Below are independent agencies in Bottineau that can give you price quotes.
Don Richard Insurance – 321 13th St W – Bottineau, ND 58318 – (701) 228-2610
Nodak Mutual Insurance – 104 11th St W # 4 – Bottineau, ND 58318 – (701) 228-2530
Western Agency Inc – 515 Main St – Bottineau, ND 58318 – (701) 228-3535
For a complete listing of auto insurance agents in Bottineau, visit this link.
Once you have received positive feedback to your questions and a low price estimate, it’s possible that you found an auto insurance agent that will properly insure your vehicles.
Alternatives to buying locally
Auto insurance agents can be invaluable at times, but North Dakota car insurance can also be bought direct from companies that only sell online. Even companies, such as Farmers Insurance and State Farm, who have local Bottineau agents also give you the option to buy online. This is something to consider if the lowest rate is your goal.
If you’re uneasy about having to choose coverages yourself when buying car insurance direct, that should not be a issue. Online car insurance companies provide phone numbers and online resources for customer questions.
Is it cheaper to buy online? It’s difficult to provide an answer because there are many factors which can adversely affect your policy premium. Some people think that shopping online for auto insurance lowers rates due to not having any agent compensation. In reality, getting their brand in front of customers is expensive and this tends to eat up any savings.
Quote often and quote early
Discount auto insurance is possible from both online companies as well as from independent agents in Bottineau, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who don’t offer the ability to get a quote online and these small, regional companies work with independent agents.
Consumers leave their current company for many reasons like lack of trust in their agent, being labeled a high risk driver, not issuing a premium refund or delays in paying claims. No matter why you want to switch, switching auto insurance companies is not as difficult as it may seem.
Online resources for education
More tips and info about auto insurance is located at the North Dakota Insurance Department website. Consumers can read industry bulletins, discover disciplinary actions, and read state legal mandates and laws.
The articles below may also help you learn more about auto insurance in Bottineau