How to Get the Best Price from Minot Auto Insurance Companies

To find a licensed insurance agent in Minot, you can do the preliminary legwork by comparing rates online instead of calling around. The chances are good you want a highly trained agent, but also the lowest possible price.

With State Farm, Allstate and many independent agents all competing for business in Minot, it’s difficult to determine which car insurance agent will provide the cheapest rates and the best coverage. To begin, it’s easy to use online price quotes in order to build a list of insurance agents from which to choose.

How to compare Minot auto insurance rates

Professional agents can help determine the best coverages and help submit paperwork. One of the best bonuses of comparing insurance prices online is you may find the best rates and still have an agent to talk to. Buying from local agencies is important especially in Minot.

To find an agent, once you fill out this simple form, your insurance data is immediately sent to insurance agents in Minot who will compete to get your business. You won’t need to leave your house since price quotes are sent to the email address you provide. How cool is that?!

Pick the best auto insurance agent in Minot for you

When looking for a reliable agent, you need to know there are two different types of agents to choose from. Agencies in Minot are classified as either captive or independent (non-captive). While both can write coverage properly, but it’s worth learning how they differ because it can influence the selection process.

Independent Insurance Agents

These agents do not work for one specific company so they have the ability to put coverage with lots of companies and potentially find a lower price. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. When shopping rates, we recommend you get quotes from at a minimum one independent agency to get the best comparison.Many can place coverage with smaller regional carriers which can save you money.

The following is a list of independent insurance agencies in Minot willing to provide pricing information.

  • Western Agency Group – 408 20th Ave SW # 101 – Minot, ND 58701 – (701) 852-5383
  • Triplett Insurance – 124 8th Ave NW – Minot, ND 58703 – (701) 839-3220
  • Larry L Anderson Insurance – 304 18th Ave SW # D – Minot, ND 58701 – (701) 839-9444
  • Western Agency – 408 20th Ave SW # 101 – Minot, ND 58701 – (701) 463-2253
Captive Agents

Captive agents can only place business with one company and examples are State Farm, Allstate and AAA. These agents are not able to compare other company’s rates so always compare other rates. These agents are very knowledgeable on the products they sell which can be an advantage. Some people will only purchase coverage from captives partially due to high brand loyalty and the convenience of having all coverages with one company.

Below is a list of captive agencies in Minot who can help you get price quote information.

  • American Family Insurance – 201 University Ave W # A – Minot, ND 58703 – (701) 838-8777
  • Farmers Insurance Group – 811 S Broadway – Minot, ND 58701 – (701) 852-4434
  • Allstate Insurance Co – 1317 S Broadway – Minot, ND 58701 – (701) 838-2100
  • State Farm Insurance – 103 14th Ave SW – Minot, ND 58701 – (701) 839-3436

For a full directory of captive agencies in Minot, please go to this site.

Choosing an insurance agency needs to be determined by more than just the premium amount. Some important questions to ask are:

  • How are they compensated?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • How long have they worked with personal auto insurance coverage?
  • Can they provide you with a list of referrals?
  • Do they make recommendations based only on price?

Once you have received good answers to all your questions and an acceptable price quote, it’s possible that you found an auto insurance agent that will properly service your auto insurance policy.

Online companies should get a look

Auto insurance agents are important, but you can also find affordable North Dakota auto insurance from online companies direct. Some car insurance companies like Allstate and State Farm that sell primarily through agents also give you the ability to get a quote and buy online, so that should be considered if you prefer to buy online.

If you’re apprehensive about having to choose coverages yourself, don’t sweat it. Car insurance companies give you access to trained agents to walk you through the process. You may also access a frequently asked questions page that can help answer basic questions.

Can you save money buying online? A lot of shoppers won’t buy anywhere else, but it’s impossible to say since there may be dozens of rate factors which can adversely affect your policy premium. Some people will tell you that buying car insurance online saves money because there is no commission. But truthfully, promoting brand recognition is pricey and that impacts the rates consumers pay.

More information can be found on the North Dakota Insurance Department website. Click here for link. North Dakota consumers can find out which companies have the most complaints, find out industry alerts, and read enforcement actions against agents and companies.

Other related articles:

best North Dakota insurance agency

One last thing about your coverage

Cheaper auto insurance is possible on the web as well as from independent agents in Minot, so you should compare both in order to have the best price selection to choose from. A few companies don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

People switch companies for a number of reasons such as denial of a claim, poor customer service, delays in responding to claim requests or policy cancellation. Regardless of your reason, switching companies is actually quite simple.