Consumers Guide to Searching for a Mandan Auto Insurance Agent

When pricing auto insurance in Mandan, North Dakota, picking a good North Dakota insurance agent is more difficult than just using the same insurance agency as your neighbor. It’s highly likely you require not only a decent agent, but also affordable coverage.

With companies like Allstate, Farmers and State Farm as well as independent agents all competing for business in Mandan, consumers have a hard time knowing which one will provide the cheapest rates and the best coverage. Thankfully, consumers can get online price quotes in order to build a list of insurance agents and price estimates.

Online price comparisons from Mandan agents

Agents can point out coverage gaps and help file insurance claims. The biggest benefit of price shopping on the web is that you can obtain the lowest rates but still work with a licensed agent. And supporting small agencies is important especially in Mandan.

By using this short form, the quote information gets sent to local insurance agents who will give you bids for your coverage. You won’t need to leave your computer because quoted prices will be sent to the email address you provide. How’s that for easy!

What type of Mandan insurance agency is right for you?

When searching for a local agent, you must know there are a couple types of insurance agents that differ in how they can insure your vehicles. Agencies in Mandan can either be independent (non-captive) or captive. Both types can write coverage properly, but it’s good to learn how they differ because it can impact your selection of an agent.

Independent Agencies or Brokers

Independent insurance agents do not work for one specific company but rather can write business with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, an independent agent can move your coverage and that require little work on your part.

When comparison shopping, it’s recommended you include price quotes from at least one independent agent to have the most options to choose from. They also have the ability to place coverage with smaller companies which can save you money.

Shown below is a short list of independent agencies in Mandan that are able to give price quote information.

  • Horace Mann Insurance Co – 104 3rd Ave NW # 2 – Mandan, ND 58554 – (701) 663-6271
  • Starion Insurance – 109 1st St NW – Mandan, ND 58554 – (701) 667-1048
Agency Captives

Captive agencies work for only one company such as AAA, State Farm, Farmers Insurance and Allstate. These agents are unable to give you multiple price quotes so it’s a take it or leave it situation. Captive agencies are usually quite knowledgeable in insurance sales which helps them compete with independent agents. Consumers sometimes buy from captive agents mostly because of the brand legacy and solid financial strength.

Listed below are Mandan captive agents that are able to give price quotes.

  • American Family Insurance – 2610 Old Red Trl – Mandan, ND 58554 – (701) 663-0293

For a full directory of captive agencies in Mandan, click here to link.

Deciding on a car insurance agent needs to be determined by more than just the bottom line cost. Some important questions to ask are:

  • What insurance companies do they recommend if they are an independent agent?
  • Who is covered by the car insurance policy?
  • How long has their agency been open in Mandan?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Is the agent and/or agency licensed to do business in North Dakota?
  • Can they provide you with a list of referrals?

After receiving good answers and a low price estimate, it’s possible that you found a car insurance agent that meets your needs to adequately provide auto insurance.

Alternatives to buying locally

Local insurance agents can be invaluable at times, but you also have the option of buying direct over the internet. A few companies, such as State Farm, Allstate and Farmers, that are more known for using agents, also give you the ability to buy online, so keep that in mind if you are the do-it-yourself type.

If you’re worried about not getting proper coverage when buying direct, this is normal but is quickly overcome. Online insurance companies provide options for answering any questions you have. Consumers also can use live help and 24/7 access to clarify any questions you may have.

Will you save money buying auto insurance online? That question is hard to answer due to the large number of individual components which can adversely affect your policy premium. Some people think that buying directly from the company saves money because there is no agent involvement. In many cases, promoting brand recognition is pricey so this can offset any savings.

A little work can save a LOT of money

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. In many instances, an insured cut physical damage coverage and found out when filing a claim that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage at a price you can afford.

Discount auto insurance can be sourced from both online companies as well as from independent agents in Mandan, and you should be comparing both to have the best selection. Some auto insurance companies don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

quotes for North Dakota insurance

Additional North Dakota consumer information

Much more information about auto insurance in North Dakota can be read on the North Dakota Insurance Department website. Click here for link. North Dakota consumers can find out industry alerts, learn about insurance regulations, and read consumer alerts.

The following information may also be useful.