How to Find a Good Auto Insurance Provider in Sidney

Selecting a auto insurance company in Sidney, MT can be time consuming since you have many choices and choosing the right Sidney insurance agent is more difficult than just using the same auto insurance agent as your neighbor. You need a decent agent, but also cheaper auto insurance prices.

Drivers have so many car insurance agents to choose from, and even though it’s nice to have a choice, it makes it harder to find the lowest cost provider.

Online price comparisons from Sidney agents

Licensed agents can help determine the best coverages and help submit paperwork. The biggest benefit of comparing insurance prices online is that you can obtain the lowest rates but still work with a licensed agent.

To find an agent, once you fill out this form (opens in new window), your insurance data is submitted to local insurance agents in Sidney who will return price quotes to get your business. You never need to leave your house due to the fact that quote results will go immediately to your email address. It doesn’t get any easier! Get lower rates and work with a local agent.

Picking an insurance agency shouldn’t rely on just the price. Any agent should have no problem answering these questions:

  • Are claims handled at the agent’s location?
  • How long have they worked with personal auto insurance coverage?
  • Do the companies they represent have a solid financial rating?
  • Does the agency provide any after hours assistance?
  • Are they full-time agents?
  • Is their price quote a firm figure or are their hidden costs?

Two types of car insurance agents

When searching for a good insurance agency, there are two types of agencies to choose from. Insurance agencies in Sidney are classified as either captive or independent.

Captive Insurance Agents

Captive agents are contracted to one company and some examples include State Farm, Allstate and AAA. They usually cannot provide prices from multiple companies so they have to upsell other benefits. Captives are usually quite knowledgeable on their company’s products which can be an advantage. Some people will only purchase coverage from captives mostly because of high brand loyalty and solid financial strength.

Below are Sidney captive insurance agents willing to provide price quote information.

  • Farm Bureau Insurance – 804 S Central Ave – Sidney, MT 59270 – (406) 433-4416
  • State Farm Insurance – 919 Lincoln Ave S – Sidney, MT 59270 – (406) 482-3115
Independent Insurance Agents

Independent agencies do not work for one specific company but rather can write business amongst many companies depending on which coverage is best. If you are not satisfied with one company, they simply move the coverage in-house without you having to go to a different agency. When comparison shopping, you should always get quotes from several independent insurance agents to ensure the widest selection of prices. Most have the option of insuring with smaller companies which can be an advantage.

The following is a short list of independent insurance agencies in Sidney who can help you get price quote information.

  • Nicholson Insurance – 160 North Dr – Sidney, MT 59270 – (406) 433-4575
  • Dennis Insurance – 111 2nd Ave SW – Sidney, MT 59270 – (406) 488-7410

To view a full list of Sidney insurance agents, view this link.

Upon receiving reasonable responses for all questions you ask and an affordable coverage quote, chances are good that you have found an insurance agent that can adequately provide auto insurance.

Buying direct is an option

Insurance agents serve a purpose, but Montana car insurance can also be bought direct from companies that only sell online. A few companies, such as State Farm, Allstate and Farmers, who sell through agents in Sidney also let you quote and buy online, so that should be considered to possibly find a better rate.

If you’re anxious about not having an agent to talk to, this is a normal reaction for first-time shoppers. Online companies that require consumers to choose their own coverages all provide contact methods that you can contact for information. Many online companies also provide a frequently asked questions page to make it easier to purchase.

Do online companies have better rates? Many people swear by it, but it’s difficult to answer because there are many factors that determine your policy premium. You may think that a shopper who purchases direct saves money by not requiring a commission. In many cases, it’s expensive to advertise so rates may not be all that different from traditional agents.

Additional detailed information is available at the Montana Commissioner of Securities and Insurance website. Visitors are able to learn about insurance regulations, file complaints about a company, discover disciplinary actions, and view a list of available companies.

Other related articles:

best Sidney Montana insurance agency

One last thing about your coverage

Drivers change insurance companies for any number of reasons including lack of trust in their agent, delays in paying claims, high prices or even delays in responding to claim requests. Whatever your reason, finding a new company can be easy and end up saving you some money.

Lower-priced auto insurance can be found on the web in addition to many Sidney insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get a quote online and these regional insurance providers work with independent agents.