Consumer Information for Searching Online for a New Town Auto Insurance Agent

If you’re looking to buy auto insurance, choosing the right New Town insurance agency takes more work than just driving to the closest agent’s office. Consumers require a good agent that listens to you, and also want to find the best price on auto insurance.

Multiple car insurance agents compete for your hard-earned dollar, so it’s not easy to compare every auto insurance agent to find the absolute lowest price

Save time by quoting online

Good agents can point out coverage gaps and give you someone to call. One of the best bonuses of comparing insurance prices online is you may find better rates and still have an agent to talk to.

For easy comparison, once you complete this quick form, your coverage information is submitted to companies in New Town who will return price quotes for your coverage. There is no reason to leave your house because quoted prices will be sent to the email address you provide. It doesn’t get any easier! You can find the lowest rates without the usual hassles of price shopping.

Deciding on an insurance agency shouldn’t rely on just the price. Ask your prospective agent these questions:

  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • Is their price quote a firm figure or are their hidden costs?
  • Is working in the agency their full-time job?
  • Do they carry Errors and Omissions coverage?
  • What insurance company do they write the most business with?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • Can they provide you with a list of referrals?
  • Which members of your family are coverage by the policy?

Insurance agent types

When looking for a reputable insurance agent or broker, you must know there are a couple different agency structures to choose from. New Town agents are classified as either captive or independent (non-captive).

Agency Captives

These agents are contracted to one company and some examples include State Farm, AAA and Liberty Mutual. They usually cannot shop your coverage around so they have to upsell other benefits. They receive extensive training in insurance sales which helps them sell insurance even at higher premiums.

Independent Insurance Agents

Independent agents do not work for one specific company but rather can write business with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally without you having to go to a different agency. When shopping rates, you should always get quotes from at a minimum one independent agency to get the best comparison.

Listed below is a list of independent agents in New Town that are able to give rate quotes.

Reynolds Insurance – 301 Main St – New Town, ND 58763 – (701) 627-4293
BBH Insurance – 401 5th St N – New Town, ND 58763 – (701) 627-4933

To view a full list of New Town insurance agents, please click here.

After receiving answers to your satisfaction for all questions you ask and locked in a price quote, it’s possible that you found an auto insurance agent that is a good match to adequately provide auto insurance.

Keep your options open

Car insurance agents are important, but North Dakota car insurance can also be bought direct from companies that only sell online. Certain companies who have local New Town agents also give you the ability to buy a policy online, and consumers should do that.

If you’re uncomfortable with not having professional advice when shopping online, this is a normal reaction for first-time shoppers. All companies that require consumers to choose their own coverages provide toll-free numbers for getting the best coverage.

Are car insurance rates lower online? It’s difficult to provide an answer due to the fact that there are multiple individual factors which can raise or lower premium rates. Some people think that going direct saves money by not requiring a commission. But in most cases, the cost of constant advertising is expensive and that can cost more than having to pay agents.

If the lowest price is important, the best way to know if agents have better prices than online companies is to set aside time to compare rates from both. You may actually get a different price when comparing agent prices to online quotes from the same company. But you won’t know where the best price is until after comparing identical coverage quotes using both methods.

North Dakota insurance agents

Final considerations

As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, someone dropped comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Insureds who switch companies do it for a variety of reasons including delays in paying claims, questionable increases in premium, policy cancellation and high prices. It doesn’t matter what your reason, switching companies is less work than it seems.

For more information

More tips and info about auto insurance is located at the North Dakota Insurance Department website. North Dakota drivers can find disaster information, download brochures, and read consumer alerts.