How to Get the Best Price from Sisseton Car Insurance Agencies

If you’re looking for a licensed insurance agent in Sisseton, it’s recommended you begin your search by comparing prices online rather than looking in the yellowpages. It’s highly likely you require not only a friendly agent, but you also need great rates as well.

With companies like American Family, Allstate, State Farm and independent agents all competing for business in Sisseton, consumers have a hard time knowing which one will give you the best service and rates. Fortunately, you can use online quotes to assemble a group of insurance agents and price estimates.

Your insurance agent down the street

Insurance agents can point out coverage gaps and help submit paperwork. One of the great benefits of getting online price quotes is that you can obtain the lowest rates and still have an agent to talk to. And providing support for local agencies is important especially in Sisseton.

To find an agent, once you fill out this quick form, your information is instantly submitted to agents in your area who will battle for your coverage. You don’t have to visit any agencies as quotes are delivered straight to your inbox. How cool is that?! Get lower rates and an insurance agent to talk to.

Best insurance agent in Sisseton

When looking for a good insurance agency, you must know there are a couple types of agencies that you can select. Agencies in Sisseton are either captive or independent.

Independent Agencies or Brokers

Independent agencies are not employed by any specific company but instead can place your coverage with many different companies depending on which coverage is best. To move your coverage to a new company, the business is moved internally and you don’t have to find a new agent.

When searching for an agent, it’s a good idea to get quotes from several independent insurance agents to get the best comparison.

Listed below are Sisseton independent agents that are able to give comparison quotes.

Dennis Schulz Insurance – 612 Veterans Ave – Sisseton, SD 57262 – (605) 698-3130
Dennis Jensen Insurance – 420 2nd Ave E – Sisseton, SD 57262 – (605) 698-3411

Agency Captives

This type of agents are contracted to one company such as Allstate, Farmers Insurance or State Farm. They generally cannot compare other company’s rates so it’s a take it or leave it situation. Captive agencies are very knowledgeable on the products they sell which can be an advantage.

Listed below are captive insurance agencies in Sisseton who can help you get comparison quotes.

State Farm Insurance – 113 E Oak St – Sisseton, SD 57262 – (605) 698-3136

For a full directory of captive insurance agents in Sisseton, please click here.

Deciding on a car insurance agent should depend on more than just the bottom line cost. Some important questions to ask are:

  • Who are their largest clients?
  • Are claims handled at the agent’s location?
  • Are they properly licensed to sell insurance in South Dakota?
  • How many years of experience in personal lines insurance coverages do they have?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • How long has their agency been in business in Sisseton?

Once you have positive responses to your questions in addition to an acceptable price estimate, chances are good that you have found an insurance agency that can adequately provide car insurance.

Can I save by buying direct online?

Local insurance agents can be invaluable at times, but you also have the option of buying South Dakota car insurance from companies direct over the internet. Some companies like State Farm and Allstate who employ agents also allow consumers to get quotes and purchase online, so that should be considered.

If you’re uneasy about selecting your own policy coverages when buying car insurance direct, this is a normal reaction for first-time shoppers. Companies have customer service departments for getting the best coverage.

Do online companies provide lower prices? It’s difficult to provide an answer because there are many components that impact your premium. It’s often assumed that shopping online for auto insurance saves the commission normally paid to an agent. In many cases, marketing their products costs a lot of money and those expenses can offset most of the savings by selling direct.

Sisseton independent agents

If the lowest price is important, the best way to know if the cheapest policy comes from an agent or online is getting rates for as many of both types of providers as possible. Lots of times people will get different prices from agents as you do online from the same insurance company.

One last thing about your coverage

Drivers leave their current company for a variety of reasons including high prices, policy non-renewal, an unsatisfactory settlement offer or extreme rates for teen drivers. Whatever your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

When shopping online for car insurance, you should never buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice collision coverage and discovered at claim time that it was a big mistake. Your strategy should be to find the BEST coverage at the best price while not skimping on critical coverages.

For more reading

Additional information can be found on the website for the South Dakota Division of Insurance. Click here for link. Visitors are able to read industry bulletins, find out industry alerts, discover disciplinary actions, and read state legal mandates and laws.