How-to Guide to Finding the Best Insurance Agent in Dickinson

When finding a good insurance agent in Dickinson, ND, you can always start your search using online quotes instead of calling around. Consumers need a competent insurance agent, and also want to find the lowest rates in Dickinson.

Companies like Geico, Progressive and Allstate all promote huge savings with catchy ads and it is difficult to see past the corporate glitz and do the work needed to find the best deal.

Comparing prices from Dickinson agents

Agents can point out coverage gaps and help file insurance claims. One of the best bonuses of comparing insurance prices online is the fact that you can find better rates and still choose a local agent.

By using this short form, the quote information gets sent to agents in your area who will battle for your business. There is no reason to leave your computer as quotes are delivered immediately to your email address. Now that’s easy!

Deciding on a car insurance agent should depend on more than just a low price. Some important questions to ask are:

  • How are they compensated?
  • Does the agency have a good rating with the Better Business Bureau?
  • Are there any discounts that you might be missing?
  • How often do they review policy coverages?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?

Independent or Captive: It’s your choice

When searching for a local agent, you need to know there are two types of agencies that you can select. Insurance agencies in Dickinson are either captive or independent. Both write coverage properly, but it’s worth mentioning the differences because it can impact the selection process.

Agency Captives

This type of agents can only place business with one company and examples are Farmers Insurance or State Farm. These agents are unable to compare other company’s rates so they are skilled at selling on more than just price. They are trained well on their products and sales techniques which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from captives partially due to the brand legacy and the convenience of having all coverages with one company.

Below is a short list of captive insurance agents in Dickinson that can give you comparison quotes.

  • American Family Insurance – 1425 W Villard St – Dickinson, ND 58601 – (701) 483-5700
  • Farmers Insurance Group Agents – 28 2nd Ave E – Dickinson, ND 58601 – (701) 225-9245
  • State Farm Insurance – 1091 3rd Ave W – Dickinson, ND 58601 – (701) 483-9465
Independent Agencies or Brokers

These agents do not work for one specific company so they can insure your vehicles with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and you don’t have to find a new agent.

When comparing rates, we recommend you contact at a minimum one independent agency for the best price selection.Many can place coverage with lesser-known insurance companies who may have lower rates.

Below is a short list of independent agencies in Dickinson that can give you rate quotes.

  • Price Agency Inc – 683 State Ave # D – Dickinson, ND 58601 – (701) 225-8131
  • Beaudoin Insurance – 24 W Villard St – Dickinson, ND 58601 – (701) 227-4467
  • Price Agency – 673 State Ave # D – Dickinson, ND 58601 – (701) 225-8131
  • Kovash Insurance – 28 2nd Ave E – Dickinson, ND 58601 – (701) 225-2840
  • Del Gab Agency – 141 3rd St W – Dickinson, ND 58601 – (701) 483-0325

To view a full list of Dickinson insurance agents, visit this site.

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

Do online auto insurance companies have better rates?

Professional insurance agents are important, but you also have the option of buying from online companies direct. Some specific companies that sell primarily through agents also give you the option to get quotes and purchase online, so that should be considered to possibly find a better rate.

If you’re anxious about not getting proper coverage when buying direct, this is a normal reaction for first-time shoppers. Online car insurance companies that allow you to purchase coverage provide access to licensed agents to answer any questions you may have.

Does coverage cost less online? Many people swear by it, but it’s difficult to answer because of the number of factors that impact your rate calculation. It’s logical to say that buying car insurance online reduces premiums because there is no agent. For most companies selling online, however, there are high advertising and marketing costs and this drives up their premium costs.

Do the work, save more money

Drivers leave their current company for any number of reasons including extreme rates for teen drivers, poor customer service, high prices or even not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company is not as hard as you think.

Cheaper car insurance can be purchased online in addition to many Dickinson insurance agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Consumer car insurance information in North Dakota

More detailed North Dakota car insurance information is located at the North Dakota Insurance Department website. North Dakota drivers can find a variety of consumer forms, find out which companies have the most complaints, read industry bulletins, and file complaints about an insurance agent or broker.

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