Comparing auto insurance companies in Beulah, ND can be challenging because there are a lot of options and finding the best North Dakota car insurance agent is harder than just randomly choosing from the yellow pages. Consumers need a competent insurance agent, and also competitive auto insurance rates.
Insurance companies such as State Farm, GEICO and Farmers Insurance increase brand awareness with catchy ads and it is difficult to ignore the propoganda and take the time to shop coverage around.
Online quotes help locate Beulah agents
Licensed agents can help determine the best coverages and give you someone to call. One of the great benefits of comparing insurance prices online is that you can obtain the best rates but also keep your business local.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is immediately sent to agents in your area who will compete for your insurance coverage. You never need to even leave your home since price quotes are sent to your email. Now that’s easy! Get lower rates without the usual hassles of price shopping.
Choosing an insurance agent should depend on more than just the premium amount. Ask your prospective agent these questions:
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Did they already check your driving record and credit reports?
- How much can you save by raising your physical damage deductibles?
- Is assistance available after office hours?
- Are claims handled at the agent’s location?
- Do they assist clients in filing claims?
- Are they properly licensed to sell insurance in North Dakota?
Captive or Independent: There is a difference
When finding a local agent, you need to know there are two different types of agents from which to choose. Beulah agents are categorized either captive or independent (non-captive).
This type of agents work for only one company and some examples include American Family, Liberty Mutual and AAA. They usually cannot give you multiple price quotes so it’s a take it or leave it situation. They are trained well on their company’s products which helps them sell insurance even at higher premiums. Consumers sometimes choose to use a captive agent primarily because of the brand legacy and solid financial strength.
Shown below is a list of captive agencies in Beulah who can help you get price quotes.
- State Farm Insurance – 106 E Main St – Beulah, ND 58523 – (701) 873-5314
Independent Insurance Agents
Independent agents are not locked into one company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can switch companies and you don’t have to find a new agent. When comparing rates, you should always include price quotes from several independent insurance agents for maximum quote selection. Many write coverage with smaller companies which may provide better rates.
The following are Beulah independent agencies who can help you get rate quotes.
- Gary Miller Agency Inc – 701 Highway 49 N – Beulah, ND 58523 – (701) 873-5911
- Benz Insurance – 115 E Main St – Beulah, ND 58523 – (701) 873-5124
- Beckers Insurance – 1720 Highway 49 N – Beulah, ND 58523 – (701) 873-4444
To view a full list of auto insurance agents in Beulah, simply jump to this page.
Once you have received satisfactory answers for all questions you ask as well as a affordable price, chances are good that you have found an auto insurance agent that will provide auto insurance coverage.
Aren’t online companies cheaper than using an agent?
Licensed agents are indespensible for some people, but you also have the option of buying direct over the internet. Some companies, such as Farmers Insurance and State Farm, who have local agents in Beulah additionally provide the ability to buy online, so this should also be taken into consideration if you want to do it yourself.
If you’re apprehensive about not having someone to ask questions when buying direct, that is quite common when buying online the first time. Insurance companies that require consumers to choose their own coverages all provide contact methods to answer any questions you may have. They also make available live help and an extensive research center you can access prior to buying.
When trying to find the best rates, the only way to determine who has the best deal, local agents or online insurance companies, is to get free quotes from both and compare them. It’s even possible to receive different pricing comparing agents to online prices for the exact same company.
Is car insurance cheaper online? It’s difficult to provide an answer because of the number of factors that influence the price you pay. You may think that a shopper who purchases direct cuts out the middleman. For most online online companies, however, promoting brand recognition is pricey and that can cost more than having to pay agents.
Smart consumers save more
As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped full coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at a price you can afford.
Consumers leave their current company for a number of reasons such as unfair underwriting practices, an unsatisfactory settlement offer, high rates after DUI convictions or even delays in responding to claim requests. Whatever your reason, finding a great new company is pretty simple and you could end up saving a buck or two.
Additional resources for North Dakota consumers
Additional detailed information can be found at the North Dakota Insurance Department website. North Dakota consumers can learn about insurance regulations, read consumer alerts, download brochures, and read state legal mandates and laws.
The articles below may also help you learn more about auto insurance in Beulah