How to Get the Best Price from Devils Lake Auto Insurance Providers

When pricing auto insurance in Devils Lake, North Dakota, there are a lot of options and choosing the right Devils Lake auto insurance agent takes more work than just calling the closest agent. It’s likely that not only do you want a highly trained agent, but you also want affordable coverage.

With companies like Allstate, Farmers and State Farm as well as independent agents all competing for your business, it’s difficult to determine which car insurance agent will have the best rates, service and coverage. Fortunately, consumers can get online quoting to assemble a group of agents from which to choose.

Price shop online but buy from a local Devils Lake agent

Insurance agents can point out coverage gaps and help you file claims. The biggest benefit of comparing insurance prices online is the fact that you can find the lowest rates but also keep your business local. Supporting local insurance agencies is important particularly in Devils Lake.

To find an agent, once you fill out this form (opens in new window), the quote information is submitted to participating agents in Devils Lake who will return price quotes for your business. You don’t have to leave your computer as quotes are delivered to your email. It doesn’t get any easier! You’ll get the best rates without the usual hassles of price shopping.

What types of insurance agencies are in Devils Lake?

If you’re trying to find local Devils Lake agents, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agents are categorized either captive or independent.

Independent Agents

Independent agents are not required to write business for one company but rather can write business amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies. When comparing rates, you should always include at a minimum one independent agency for the best price selection.

Below is a list of independent agencies in Devils Lake that are able to give competitive price quotes.

Richard Sager Crop Insurance – 319 4th Ave – Devils Lake, ND 58301 – (701) 662-2299
K and K Agency – 602 College Dr – Devils Lake, ND 58301 – (701) 662-4921
Keith M Seidlinger Agency – 1117 Highway 2 E – Devils Lake, ND 58301 – (701) 662-6300
First Insurance Of Munich – 205 Highway 2 W – Devils Lake, ND 58301 – (701) 665-2050
K and K Agency – 602 College Dr S # 5 – Devils Lake, ND 58301 – (701) 662-4921

Captive Insurance Agents

This type of agents can only write with one company and some examples include Farmers Insurance or State Farm. These agents are unable to provide prices from multiple companies so it’s a take it or leave it situation. Captive agencies receive extensive training on the products they sell and that can be a competitive advantage.

Below are captive agents in Devils Lake that can give you rate quotes.

American Family Insurance – Highway 2 and College Dr – Devils Lake, ND 58301 – (701) 662-4411

To view a full list of captive agents in Devils Lake, visit this site.

Selecting an insurance agency requires more thought than just the premium amount. Agents should be asked these questions:

  • Are they full-time agents?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • If you have an accident, will your rates go up?
  • Is vehicle damage repaired with OEM or aftermarket parts?
  • Which members of your family are coverage by the policy?
  • Who are their largest clients?
  • If your car is totalled, how to they determine the replacement cost?
  • Will their companies depreciate repairs to your car based on the mileage?

Once you have received acceptable answers and an acceptable price quote, it’s possible that you found a car insurance agent that meets your needs to provide auto insurance coverage.

Isn’t it cheaper to buy from online companies like GEICO?

Insurance agents are indespensible for some people, but North Dakota drivers can also buy from online companies direct. Certain auto insurance companies who employ agents additionally provide the ability to get a quote and buy online, so keep that in mind if you prefer not to work with an agent.

If you’re worried about not getting advice from an agent when buying direct, this is a normal reaction for first-time shoppers. Online insurance companies have customer service departments you can use to get advice on coverages. You may also access extensive coverage information and 24/7 assistance to help with the buying process.

Devils Lake agents

Is online auto insurance cheaper? It’s difficult to provide an answer since there are many things that influence how your policy is priced. You may think that going direct saves money by not requiring a commission. For most companies selling online, however, it’s expensive to advertise and this tends to eat up any savings.

What is YOUR best insurance company?

Cheaper auto insurance is available both online as well as from independent agents in Devils Lake, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

Consumers change insurance companies for any number of reasons including delays in paying claims, delays in responding to claim requests, unfair underwriting practices and even high prices. Regardless of your reason, choosing a new insurance company can be less work than you think.

Additional consumer information websites

Additional auto insurance information is located on the website for the North Dakota Insurance Department located here. North Dakota consumers can download brochures, get help finding coverage, read enforcement actions against agents and companies, and read industry bulletins.