If you’re looking to buy car insurance, finding the best North Dakota insurance agency takes more work than just picking up the phone. The chances are good that not only do you want a good agent, but you also want affordable coverage.
With companies like American Family, Allstate, State Farm and independent agents having offices in Carrington, it’s difficult to determine which will provide the best service and rates. Fortunately, consumers can get online price quotes in order to build a list of agencies to choose from.
Online quotes help locate Carrington agents
Good agents can help determine the best coverages and help submit paperwork. One of the best bonuses of comparing insurance prices online is you can get lower rates but still work with a licensed agent. Supporting local agencies is important especially in Carrington.
To make it easy to find an agent, after completing this simple form, the coverage information is instantly submitted to participating agents in Carrington who will return price quotes to get your business. You never need to leave your computer due to the fact that quote results will go straight to your inbox. It doesn’t get any easier! You’ll get the best rates AND a local agent.
Compare rates from both independent and captive car insurance agents
If you’re trying to find a reliable agent, you must know there are a couple types of insurance agents from which to choose. Insurance agencies in Carrington are categorized either captive or independent.
Independent Agents (or Brokers)
Independent agencies are not locked into one company so they can insure your vehicles amongst many companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. When shopping rates, we recommend you get quotes from at a minimum one independent agency to get the best comparison.Many can place coverage with smaller regional carriers which can be an advantage.
Listed below is a short list of independent insurance agents in Carrington who may be able to give you price quote information.
- Bickett Insurance and Leasing – 320 Highway 281 NE – Carrington, ND 58421 – (701) 652-1775
- Nodak Mutual Insurance – 925 1st St N – Carrington, ND 58421 – (701) 652-2627
Captive agents can only place business with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. They usually cannot shop your coverage around so they are skilled at selling on more than just price. They receive extensive training on the products they sell which helps them compete with independent agents. Consumers sometimes buy insurance from these agents partially due to loyalty to the company and strong financial ratings.
Selecting an insurance agent should depend on more than just a low price. Any agent should be forthright in answering these questions:
- How many years of experience in personal lines insurance coverages do they have?
- Do they review policy coverages at every renewal?
- How long has their agency been in business in Carrington?
- How are claims handled?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Are you getting all the discounts the company offers?
After receiving positive feedback for all questions you ask and an acceptable price quote, you may have just found an insurance agent that can provide car insurance coverage.
Are online companies an option?
Professional insurance agents are important to many people, but you can also buy North Dakota car insurance from online companies direct. Some companies who have local agents in Carrington also allow you to buy direct online, and online price comparisons are easy and can also potentially find you lower rates.
If you’re concerned about not having someone to ask questions when buying car insurance direct, this is a normal reaction for first-time shoppers. Online companies that require consumers to choose their own coverages provide options to answer your questions.
Are online companies cheaper? It’s hard to say exactly because there are a lot of things that impact your premium. It’s logical to say that a shopper who purchases direct saves money because there is no commission. But in reality, there are high advertising and marketing costs so this can offset any savings.
Learn more about car insurance in North Dakota
Additional car insurance information is located on the North Dakota Insurance Department website found here. North Dakota consumers can read consumer alerts, find out industry alerts, and read industry bulletins.
These articles may also be worth reading.
A tidy conclusion
Cost effective car insurance is available both online and with local Carrington insurance agents, so you should compare both to have the best rate selection. Some insurance providers do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.
When shopping online for car insurance, never skimp on coverage in order to save money. There are a lot of situations where an insured dropped collision coverage and learned later that the few dollars in savings costed them thousands. The aim is to find the BEST coverage for the lowest price.