Lower Rates from Bismarck Car Insurance Companies

When finding an insurance agent in Bismarck, ND, you can do the preliminary legwork by comparing rates online rather than looking in the yellowpages. You require a professional licensed agent, and also the best possible rates.

Many insurance agencies vie for your business, so it can be very hard to choose a insurance agent and uncover the absolute lowest rate possible.

Bismarck agents and online quotes

Educated insurance agents are trained to spot inefficiencies and give you peace of mind. One of the great benefits of getting online price quotes is you may find the best rates and still choose a local agent.

After completing this form (opens in new window), the quote information is submitted to insurance agents in Bismarck who will compete for your insurance coverage. You don’t have to leave your computer since price quotes are sent straight to your inbox. How cool is that?!

Picking an insurance agent needs to be determined by more than just a low price. These are valid questions to ask:

  • How long have they worked with personal auto insurance coverage?
  • Who is covered by the car insurance policy?
  • Do they regularly work with personal auto policies?
  • Does the agency provide any after hours assistance?
  • Do they receive special compensation for putting your coverage with one company over another?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?

Best car insurance agent in Bismarck

When finding a reliable agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Agents can either be independent or captive. Both insure your vehicles, but it’s worth mentioning the difference between them because it can impact your agent selection.

Captive Agents

Captive agents write business for a single company and examples are American Family, Liberty Mutual and AAA. They usually cannot give you multiple price quotes so always compare other rates. Captive agents are usually quite knowledgeable in insurance sales which helps them compete with independent agents. Consumers frequently choose to use a captive agent primarily because of loyalty to the company and solid financial strength.

The following is a list of captive agents in Bismarck who can help you get rate quotes.

  • State Farm Insurance – 1331 E Interstate Ave – Bismarck, ND 58503 – (701) 223-0136
  • Allstate Insurance Co – 1929 N Washington St – Bismarck, ND 58501 – (701) 223-4548
  • Farmers Insurance Group – 433 E Bismarck Expy # 4 – Bismarck, ND 58504 – (701) 255-6505
  • American Family Insurance – 1929 N Washington St – Bismarck, ND 58501 – (701) 258-8861
Independent Agents (or Brokers)

Independent agencies do not work for one specific company so they can insure your vehicles with multiple insurance companies depending on which coverage is best. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies. When comparison shopping, it’s recommended you contact multiple independent agents for the best price selection. They often place coverage with smaller companies which can save you money.

Shown below is a list of independent agents in Bismarck willing to provide rate quotes.

  • A and M Insurance – 523 E Bismarck Expy # 11 – Bismarck, ND 58504 – (701) 250-6417
  • Kramer Agency – 123 E Broadway Ave – Bismarck, ND 58501 – (701) 255-4502
  • Nodak Mutual Insurance – 1605 E Capitol Ave – Bismarck, ND 58501 – (701) 223-4400
  • Brach Johnson Agency – 1820 E Broadway Ave – Bismarck, ND 58501 – (701) 223-3715
  • Tom Reim Agency – 2718 Gateway Ave # 203 – Bismarck, ND 58503 – (701) 258-6163

To view a complete directory of car insurance agents in Bismarck, please view this page.

Upon receiving acceptable answers and a good coverage price, most likely you have located a car insurance agent that is a good match to provide car insurance coverage.

Do online insurance companies cost less?

Local insurance agents are important, but you can also buy North Dakota car insurance from companies direct over the internet. Some car insurance companies who have local Bismarck agents also allow you to buy direct online, and consumers should do that if you’re trying to lower your rates.

If you’re uneasy about not having professional advice when buying direct, this is a normal reaction for first-time shoppers. All companies that require consumers to choose their own coverages provide phone numbers and online resources for customer questions. You can also use help pages and frequently asked questions to help you make a buying decision.

If you’re not set on any one company, the best way to find out who has the best deal, local agents or online insurance companies, is to set aside time to compare rates from both. You may actually get a different price from the exact same provider if you compare an online quote to agent rates. But it’s difficult to know which way will be cheaper without getting separate quotes each way.

Are online rates lower? Whether or not you’ll save is impossible to say due to the large number of individual components that can increase policy rates. Some people will tell you that going direct cuts out the agent as a middleman. For the majority of companies, however, it’s expensive to advertise so the rates may be similar to buying from an agent.

Smart shoppers get results

When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced full coverage only to find out that the few dollars in savings costed them thousands. The ultimate goal is to buy the best coverage you can find at a price you can afford.

Drivers change insurance companies for a number of reasons such as questionable increases in premium, lack of trust in their agent, being labeled a high risk driver and even high prices. Regardless of your reason for switching companies, choosing a new company can be less work than you think.

Bismarck ND insurance agents

Online resources for education

Even more information can be found at the North Dakota Insurance Department website. North Dakota drivers can get help finding coverage, download brochures, and read state legal mandates and laws.

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