When pricing auto insurance in Lisbon, North Dakota, picking a good North Dakota insurance agency is not as easy as just making a phone call. Chances are you require not only an excellent agent, but you also want to find affordable coverage.
With companies like Farmers, Allstate, and independent agents having local Lisbon offices, consumers have a hard time knowing which one will give you the best service and rates. Fortunately, consumers can get online quotes in order to build a list of insurance agencies and price estimates.
How to compare Lisbon auto insurance rates
Educated insurance agents are trained to spot inefficiencies and help file insurance claims. One of the great benefits of comparing rates online is the fact that you can find better rates but still work with a licensed agent. And supporting local insurance agencies is definitely important in Lisbon.
After completing this short form, your insurance data is immediately sent to companies in Lisbon who will return price quotes for your insurance coverage. You don’t have to visit any agencies as quotes are delivered straight to your inbox. Now that’s easy! It’s the lowest rates AND a local agent.
Independent or Captive: It’s your choice
When searching for local Lisbon agents, you must know there are a couple types of insurance agents from which to choose. Agencies in Lisbon are either independent (non-captive) or captive.
Independent Agencies or Brokers
These agents are not employed by any specific company but rather can write business 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 you won’t have to switch agencies.
When searching for an agent, it’s a good idea to include at a minimum one independent agency to have the most options to choose from. They also have the ability to place coverage with lesser-known insurance companies which can save you money.
The following are independent insurance agencies in Lisbon who may be able to give you rate quotes.
- Nodak Mutual Insurance – 321 Main St – Lisbon, ND 58054 – (701) 683-4802
- Tri County Insurance – 19 5th Ave W – Lisbon, ND 58054 – (701) 683-5648
Captive agencies can only place business with one company such as State Farm, AAA and Liberty Mutual. They usually cannot provide prices from multiple companies so it’s a take it or leave it situation. Captives are usually quite knowledgeable on their company’s products which can be an advantage. Consumers often choose to use a captive agent mainly due to the prominence of the brand and strong financial ratings.
The following is a short list of captive agents in Lisbon willing to provide price quote information.
- State Farm Insurance – 416 Main St – Lisbon, ND 58054 – (701) 683-5105
For a complete listing of captive insurance agents in Lisbon, please click here.
Selecting a car insurance agent should depend on more than just a cheap price. These questions are important to ask:
- Do they carry Errors and Omissions coverage?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- How long has their agency been in business in Lisbon?
- Will their companies depreciate repairs to your car based on the mileage?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they assist clients in filing claims?
- What is the agency’s Better Business Bureau rating?
Once you have received good answers in addition to an acceptable price estimate, you may have just found a car insurance agent that can properly service your auto insurance policy.
Are online companies an option?
Local insurance agents are indespensible for some people, but you also have the option of buying North Dakota car insurance direct from companies that only sell online. Some companies like State Farm and Allstate that sell primarily through agents also allow you to buy a policy online, and consumers should do that as an alternative to contacting agents.
If you’re anxious about not getting advice from an agent when buying car insurance direct, this really isn’t an issue. Online insurance companies that allow you to purchase coverage have toll-free phone numbers and other options to answer your questions.
Do online companies have better rates? A lot of shoppers won’t buy anywhere else, but it’s impossible to say because there are a lot of things that influence the price you pay. It’s often assumed that shopping online for auto insurance cuts out the agent as a middleman. For most companies selling online, however, there are high advertising and marketing costs and this drives up their premium costs.
Additional auto insurance information is available on the North Dakota Insurance Department website. Click here for link. North Dakota consumers can find disaster information, download brochures, learn about specific coverages, and discover disciplinary actions.
The following information may also be useful.
One last thing
Budget-conscious auto insurance can be sourced both online as well as from independent agents in Lisbon, and you should be comparing both to have the best selection. Some companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.
Drivers change insurance companies for many reasons like poor customer service, being labeled a high risk driver, an unsatisfactory settlement offer or delays in responding to claim requests. It doesn’t matter why you want to switch finding a new company can be less work than you think.