Lowest Prices from Cottage Grove Auto Insurance Providers

To find an insurance agent in Cottage Grove, Minnesota, you can always begin your search by comparing rates online instead of making phone calls. The chances are good you’re not only searching for a great agent that can assess your needs, but you also want to find the best rates possible.

With insurance companies like American Family, Allstate, State Farm and independent agents all competing for your business, it can be hard to know which insurance agency will provide you with the best rates, service and coverage. Fortunately, you can use insurance quotes online to get a list of agents from which to choose.

Your insurance agent down the street

Professional agents are trained to spot inefficiencies and help in the event of a claim. The biggest benefit of getting online price quotes is you may find better rates but also keep your business local. And providing support for local insurance agencies is important especially in Cottage Grove.

After completing this simple form, the coverage information is emailed to local insurance agents in Cottage Grove who will compete to get your business. There is no reason to even leave your home as quotes are delivered immediately to your email address. Now that’s easy! You’ll get the best rates without the usual hassles of price shopping.

Best insurance agent in Cottage Grove

When searching for a local agent, you need to know there are two different types of agents that differ in how they can insure your vehicles. Agents are categorized 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 multiple insurance companies and potentially find a lower price. If your agent finds better pricing, the agent simply finds a different carrier without you having to go to a different agency. When searching for an agent, it’s recommended you include price quotes from multiple independent agents for maximum quote selection.

The following is a short list of independent insurance agencies in Cottage Grove who can help you get comparison quotes.

A-1 Insurance – – Cottage Grove, MN 55016 – (651) 768-8185
MSI Insurance – 8750 90th St S – Cottage Grove, MN 55016 – (651) 769-2556

Captive Insurance Agents

These agents are contracted to one company like Farmers Insurance or State Farm. These agents are unable to give you multiple price quotes so they are skilled at selling on more than just price. These agents are usually quite knowledgeable in insurance sales which helps them compete with independent agents.

Listed below are captive insurance agents in Cottage Grove who can help you get price quote information.

State Farm Insurance – 8063 Hadley Ave S – Cottage Grove, MN 55016 – (651) 459-2207
American Family Insurance – 8811 92nd St S # 103 – Cottage Grove, MN 55016 – (651) 458-3519
Farmers Insurance Group – 7449 80th St S – Cottage Grove, MN 55016 – (651) 459-6699

To view a full list of Cottage Grove captive agents, visit this link.

Choosing an insurance agency should depend on more than just the price. Any agent should have no problem answering these questions:

  • What insurance companies do they recommend if they are an independent agent?
  • Is their price quote a firm figure or are their hidden costs?
  • What will you get paid if your car is a total loss? How is that amount determined?
  • Are they properly licensed to sell insurance in Minnesota?
  • Is assistance available after office hours?

Once you have reasonable responses to these questions as well as a affordable price, you’ve probably found an insurance agent that will service your policy.

Have you considered online alternatives?

Auto insurance agents are perfect for certain consumers, but Minnesota consumers also have the option to buy direct over the internet. Some specific companies that are more known for using agents, also let you get a quote and buy online, and consumers should do that if finding the best price is important.

If you’re apprehensive about whether or not you’ll have guidance, that is normal but is not a big issue. Insurance companies that allow you to purchase coverage give you access to trained agents that you can contact for information. You can also use the ability to chat online live with a sales rep and online research that you can use if you have questions.

compare Cottage Grove insurance agents

Does buying online save money? That is a tough question to answer since there are so many components that influence the price you pay. Some people will tell you that a shopper who purchases direct cuts out the agent as a middleman. In many cases, getting their brand in front of customers is expensive so the lack of a commission may be a wash.

Additional auto insurance information is located on the website for the Minnesota Department of Commerce found here. Consumers can view a list of available companies, read industry bulletins, and file complaints about a company.

Final considerations

Affordable auto insurance can be bought from both online companies as well as from independent agents in Cottage Grove, and you need to price shop both to get a complete price analysis. Some companies don’t offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

Insureds leave their current company for many reasons like lack of trust in their agent, an unsatisfactory settlement offer, denial of a claim or even policy cancellation. It doesn’t matter why you want to switch finding a new company can be easy and end up saving you some money.