If you’re trying to find an insurance agent in Rugby, North Dakota, we recommend you begin your search using online quotes instead of making phone calls. It’s likely you want a competent insurance agent, but also the best rates possible.
With companies like independent agents, Allstate and State Farm having offices in Rugby, it can be hard to know which will have the best service and rates. Fortunately, consumers can use online quoting in order to build a list of agencies to choose from.
Local Rugby auto insurance agents
Professional agents can answer important questions and help file insurance claims. One of the great benefits of comparing insurance prices online is you may find better rates but still work with a licensed agent. And providing support for local agencies is important particularly in Rugby.
By using this form (opens in new window), the coverage information gets sent to insurance agents in Rugby who will compete to get your business. You don’t have to leave your computer because quoted prices will be sent straight to your inbox. It doesn’t get any easier! You’ll get the best rates AND a local agent.
Captive agents vs. Independent agents
When finding a reliable agent, there are a couple of different agency structures from which to choose. Agencies in Rugby are classified as either captive or independent.
Independent Insurance Agents
Independent agencies do not work for one specific company but instead can place your coverage amongst many companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part. When comparison shopping, it’s recommended you include at a minimum one independent agency for maximum quote selection. They also have the ability to place coverage with smaller regional carriers which can save you money.
Shown below are Rugby independent insurance agencies that are able to give price quote information.
- Mayer Insurance – 130 S Main Ave – Rugby, ND 58368 – (701) 776-5511
- Nodak Mutual Insurance – 126 2nd Ave SW – Rugby, ND 58368 – (701) 776-6950
Captive Insurance Agents
This type of agents can only place business with one company such as Allstate, State Farm and Farmers Insurance. Captives cannot shop your coverage around so they have no alternatives for high prices. Captives are trained well in insurance sales which helps them sell insurance even at higher premiums. Consumers often choose to use a captive agent mostly because of high brand loyalty and strong financial ratings.
Below are Rugby captive agencies that are able to give price quotes.
- American Family Insurance – 127 S Main Ave – Rugby, ND 58368 – (701) 776-5831
To view a complete directory of Rugby captive insurance agents, go to this page.
Selecting an insurance agent should depend on more than just a cheap price. Any agent should be forthright in answering these questions:
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How often do they review policy coverages?
- Do they receive special compensation for putting your coverage with one company over another?
- Did they already check your driving record and credit reports?
- What are the financial ratings for the companies they represent?
- Is working in the agency their full-time job?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- Do they have any clout with companies to ensure a fair claim settlement?
Once you have positive responses to your questions and a good coverage price, you may have just found an auto insurance agent that meets your needs to provide auto insurance coverage.
Aren’t online insurance companies like Geico cheaper?
Local insurance agents are a valuable resource, but you also have the option of buying North Dakota car insurance from companies direct over the internet. A few companies like State Farm and Allstate who have local Rugby agents also give you the option to buy direct online, so that should be considered if you want to do it yourself.
If you’re worried about not having professional advice, that is normal but is not a big issue. Online insurance companies provide phone numbers and online resources to answer any questions you may have. Most companies also provide the ability to chat online live with a sales rep and online research so buying online is not difficult.
If you’re not set on any one company, the best way to find out who has the best deal, local agents or online insurance companies, is comparing rate quotes from both. Lots of times people will get different prices when quoting both agents prices and online prices returned by the same company. But you can’t find out where you can get the lowest rates until after you compare the same coverages from both.
Will auto insurance cost less online? That is a tough question to answer because there are a lot of things which can adversely affect your policy premium. Many people think that a customer who purchases direcly from an online company saves by not paying a commission. In reality, online and traditional media advertising are expensive and that can cost more than having to pay agents.
Informative consumer insurance sites
Additional auto insurance information is located on the North Dakota Insurance Department website. Click here for link. North Dakota drivers can report car insurance fraud, find a variety of consumer forms, and read state legal mandates and laws.
The articles below may also help you learn more about auto insurance in Rugby
Summing up your auto insurance search
People switch companies for many reasons like lack of trust in their agent, denial of a claim, delays in paying claims or not issuing a premium refund. It doesn’t matter why you want to switch switching auto insurance companies is pretty simple and you could end up saving a buck or two.
When trying to cut insurance costs, make sure you don’t buy poor coverage just to save money. Too many times, someone sacrificed comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your focus should be to find the BEST coverage at the best price.