When finding an insurance agent in Shakopee, Minnesota, it’s recommended you start your search by comparing rates online to save yourself time. Chances are you’re wanting a highly trained agent, but you also want the best rates possible.
With insurance companies like independent agents, Allstate and State Farm having offices in Shakopee, it’s hard to tell which one will provide you with the cheapest rates and the best coverage. To help decide, consumers can use insurance quotes online in order to build a list of agencies and price estimates.
Your insurance agent down the street
Agents can help determine the best coverages and help file insurance claims. One of the great benefits of comparing insurance prices online is you can get the best rates and still have an agent to talk to. Buying from local businesses is important especially in Shakopee.
For easy comparison, once you complete this quick form, the quote information is instantly submitted to companies in Shakopee who will compete for your coverage. You don’t have to drive around because quoted prices will be sent directly to your email. It doesn’t get any easier!
Captive agents vs. Independent agents
When searching for a reputable insurance agent or broker, you need to know there are two different agency structures that you can select. Shakopee agents are categorized either independent (non-captive) or captive. Both properly insure your vehicles, but it’s worth mentioning how they differ because it can impact the selection process.
Independent Insurance Agents
Independent insurance agents are not locked into one company but rather can write business amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies and you don’t have to find a new agent.
When comparison shopping, you should always include at least one independent agent to have the most options to choose from.
Listed below is a short list of independent insurance agents in Shakopee who may be able to give you comparison quotes.
Capesius Agency Inc – 1240 3rd Ave E – Shakopee, MN 55379 – (952) 445-1922
Jerry Kucera Insurance – 120 1st Ave E – Shakopee, MN 55379 – (952) 445-9156
Michael Allen Agency – 1100 4th Ave E # 110 – Shakopee, MN 55379 – (952) 233-0310
Jerry Kucera Insurance – 175 1st Ave E – Shakopee, MN 55379 – (952) 445-9156
Captive agencies work for only one company like Allstate, Farmers Insurance, State Farm and AAA. Captives cannot provide prices from multiple companies so always compare other rates. Captives are well schooled on their products and sales techniques which helps them sell insurance even at higher premiums.
Listed below is a list of captive agents in Shakopee that are able to give rate quotes.
State Farm Insurance – 421 1st Ave E # 130 – Shakopee, MN 55379 – (952) 445-3362
Farmers Insurance Group – 1108 Vierling Dr E – Shakopee, MN 55379 – (952) 445-7733
American Family Insurance – 1221 4th Ave E # 165 – Shakopee, MN 55379 – (952) 445-8100
Allstate Insurance – 100 Fuller St S – Shakopee, MN 55379 – (952) 233-7277
To view a complete directory of car insurance agents in Shakopee, visit this site.
Selecting a car insurance agent requires more thought than just the price. These questions are important to ask:
- Is assistance available after office hours?
- Which insurance companies are they affiliated with?
- What is the agency’s Better Business Bureau rating?
- Is their price quote a firm figure or are their hidden costs?
- If your car is in the repair shop, do you have coverage for a rental car?
- Can they give you a list of client referrals?
- Can glass repairs be made at your home?
After receiving good answers to all your questions as well as a affordable price, you have narrowed it down to a car insurance agent that will adequately provide car insurance.
The online alternatives
Insurance agents serve a purpose, but you can also buy Minnesota car insurance direct online. Some car insurance companies that sell primarily through agents also allow consumers to buy direct on their websites, and that is helpful as an alternative to contacting agents.
If you’re uneasy about not receiving proper advice when buying car insurance direct, that is quite common when buying online the first time. All companies all provide contact methods for answering any questions you have.
Is it cheaper to buy online? It’s difficult to provide an answer since there are many things that can increase policy rates. It’s a logical assumption that a consumer who buys direct reduces premiums because there is no agent. But that assumption is generally incorrect because it’s expensive to advertise and this drives up their premium costs.
Additional information can be found on the website for the Minnesota Department of Commerce found here. Consumers can file complaints about a company, learn about specific coverages, find out industry alerts, and view a list of available companies.
What is YOUR best insurance company?
People leave their current company for many reasons like denial of a claim, high rates after DUI convictions, poor customer service and even delays in responding to claim requests. Regardless of your reason, switching car insurance companies is easier than you think.
Budget-conscious car insurance can be sourced online and also from your neighborhood Shakopee agents, and you need to price shop both to have the best selection. Some companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.