When buying auto insurance in Vermillion, there are a lot of options and selecting the best Vermillion auto insurance agent for your needs takes more work than just picking up the phone. Consumers require a decent agent, but also the lowest rates for auto insurance in Vermillion.
Because you have many insurance companies to choose from, it is hard for the average consumer to choose the right insurance company.
How to buy auto insurance from an agent in Vermillion
Good agents can point out coverage gaps and help you file claims. The best thing about getting online price quotes is you can get the lowest rates but still work with a licensed agent.
To help locate an agent, after submitting this form (opens in new window), your information is immediately sent to companies in Vermillion who will give you bids for your business. You never need to leave your house due to the fact that quote results will go straight to your inbox. How cool is that?! You’ll get the best rates and an insurance agent to talk to.
Selecting an auto insurance agent needs to be determined by more than just the premium amount. These are valid questions to ask:
- Do they specialize in personal lines coverage?
- How long has their agency been in business in Vermillion?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Do they review policy coverages at every renewal?
- Can glass repairs be made at your home?
Captive agents vs. Independent agents
If you’re trying to find an insurance agent, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Agents can either be independent (non-captive) or captive.
Captive Agents
These agents can only place business with one company and examples are Allstate, Farmers Insurance, State Farm and AAA. They are unable to shop your coverage around so they are skilled at selling on more than just price. Captive agencies receive extensive training in insurance sales which helps them sell insurance even at higher premiums.
The following is a list of captive agents in Vermillion that are able to give comparison quotes.
Farm Bureau Insurance – 14 W Main St # A – Vermillion, SD 57069 – (605) 624-3011
American Family Insurance – 112 W Main St – Vermillion, SD 57069 – (605) 624-2025
Independent Insurance Agents
These agents are not locked into one company but rather can write business with lots of companies depending on which coverage is best. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent.
When comparing rates, it’s recommended you get quotes from at a minimum one independent agency to get the best comparison.
Below is a list of independent insurance agents in Vermillion who can help you get price quotes.
Remmes Agency – 605 Sharpe Dr – Vermillion, SD 57069 – (605) 624-4062
O’Connor Crop Insurance – 1105 E Cherry St – Vermillion, SD 57069 – (605) 624-8121
Farm Bureau Insurance – 14 W Main St # A – Vermillion, SD 57069 – (605) 624-3011
For a complete listing of licensed insurance agents in Vermillion, visit this site.
Once you have received satisfactory answers to all your questions and locked in a price quote, you may have just found a car insurance agent that is a good match to properly service your auto insurance policy.
Keep your options open
Car insurance agents are important to many people, but South Dakota car insurance can also be bought direct from companies online. A few companies who sell through agents in Vermillion also allow you to buy direct on their websites, so that should be considered if you are the do-it-yourself type.
If you’re anxious about not getting advice from an agent, this is expected but don’t let that bother you. All companies all have client service departments you can use to get advice on coverages.
Is auto insurance cheaper online? It’s difficult to provide an answer since there are so many components that influence your rates. Many people think that going direct cuts out the agent as a middleman. But in reality, marketing expenses are significant so this can offset any savings.
Even more information can be read at the South Dakota Division of Insurance website. Visitors are able to report car insurance fraud, get help finding coverage, read industry bulletins, and file complaints about a company.
A tidy conclusion
When shopping online for auto insurance, never buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced liability limits or collision coverage and found out when filing a claim that it was a big error on their part. Your goal should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
Cost effective auto insurance can be bought both online as well as from independent agents in Vermillion, and you need to price shop both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.
